Cornerstone Bank
Clarinda, IA
IDRSSD: 843476
Total Assets
$44.64M
Latest filing
Total Deposits
$37.43M
Latest filing
Net Interest Margin
3.89%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
273970941CLARINDA, IA
Key People
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Locations
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Main Office
Cornerstone Bank
123 E Main St
Clarinda, IA 51632
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1897FDIC Certificate 42901
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Cornerstone Bank (Main) | 123 E Main St | Clarinda, IA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1897 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51632 |
| State and County Number | 19145 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 6 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.cornerstonebankia.com |
| Data Updated | 01/30/2026 |
| CERT | 30067 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $44.64M |
| Total Deposits | $37.43M |
| Total Liabilities | $38.18M |
| Total Equity Capital | $6.45M |
| Net Income | $58.00k |
| Net Loans and Leases | $26.67M |
| Assets Per Employee ($Millions) | $6.38M |
| Bank Premises and Fixed Assets | $318.00k |
| Cash and Balances due from Depository Institutions | $11.43M |
| Deposits Held in Domestic Offices | $37.43M |
Key Performance Ratios
| Return on Assets (ROA) | 0.51% |
| Return on Equity (ROE) | 3.62% |
| Net Interest Margin | 3.89% |
| Efficiency Ratio | 75.78% |
| Tier 1 Risk-Based Capital Ratio | 31.151% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.35% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.459% |
| Earning Assets to total Assets | 91.3% |
Income and Expense
| Total Interest Income | $619.00k |
| Total Noninterest Income | $38.00k |
| Total Interest Expense | $211.00k |
| Total Noninterest Expense | $338.00k |
| Net Interest Income | $408.00k |
| Pre-tax Net Operating Income | $68.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $755.00k |
| Total Liabilities and Capital | $44.64M |
Securities
| Securities | $4.45M |
| Available-for-sale debt securities | $4.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cornerstone Bank?
$44.64M as of the latest filing.
How much are Cornerstone Bank's total deposits?
$37.43M in total deposits.
Where is Cornerstone Bank located?
Clarinda, IA.
What is the Net Interest Margin?
3.89%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1897.
What is the Return on Assets (ROA)?
0.51%.
How much are total loans and leases?
$26.67M (latest filing).
What is the total interest income (latest filing)?
$619.00k.