Visbanking Logo
Skip to main content

Cornerstone Bank

IDRSSD: 447100
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #447100 2025-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.42% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.1% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ +5
71
Sub-score

Liquidity is stable: brokered 4.7%, loans/deposits 102.1%, cash 5.4% of assets.

Cash / Assets
5.39%
Loans / Deposits
102.10%
Brokered %
4.73%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +1
80
Sub-score

Capital position is stable: Tier 1 RBC 12.44%, CET1 12.44%, leverage 9.58%.

Tier 1 RBC
12.44%
CET1
12.44%
Leverage
9.58%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 3.3%, NCO YTD 0.01%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.01%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -28
39
Sub-score

Reserves are weak: ALLL 0.42% of loans, coverage 105.3%, true coverage 85.5%.

ALLL / Loans
0.42%
Coverage
105.3%
True Loss Coverage
85.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.42% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:42:15 UTC