Cornerstone Capital Bank, SSB
Houston, TX
IDRSSD: 2891622
Total Assets
$2.47B
Latest filing
Total Deposits
$1.31B
Latest filing
Net Interest Margin
2.53%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cornerstone Capital Bank, SSB
1177 West Loop S
Houston, TX 77027
Full Service - Brick and Mortar
Updated 04/10/2026Established 12/06/1906FDIC Certificate 831
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Cornerstone Capital Bank, SSB (Main) | 1177 West Loop S | Houston, TX |
| PEOPLES BRANCH | 5820 82nd St | Lubbock, TX |
| ROSCOE BANK SWEETWATER BRANCH | 209 Cedar St | Sweetwater, TX |
| SEYMOUR BRANCH | 201 N Washington St | Seymour, TX |
| WHITNEY BRANCH | 307 N Brazos St | Whitney, TX |
| LORENZO BRANCH | 416 Harrison Avenue | Lorenzo, TX |
| 34TH STREET BRANCH | 3801 34th St | Lubbock, TX |
| NAZARETH BRANCH | 101 W Highway 86 | Nazareth, TX |
Showing 7 of 18
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 12/06/1906 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 77027 |
| State and County Number | 48201 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 1,388 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/01/2026 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cornerstonecapital.com |
| Data Updated | 04/10/2026 |
| CERT | 1213 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.47B |
| Total Deposits | $1.31B |
| Total Liabilities | $2.09B |
| Total Equity Capital | $375.05M |
| Net Income | $8.57M |
| Net Loans and Leases | $1.72B |
| Assets Per Employee ($Millions) | $1.78M |
| Bank Premises and Fixed Assets | $31.26M |
| Cash and Balances due from Depository Institutions | $374.43M |
| Deposits Held in Domestic Offices | $1.31B |
Key Performance Ratios
| Return on Assets (ROA) | 0.25% |
| Return on Equity (ROE) | 1.72% |
| Net Interest Margin | 2.53% |
| Efficiency Ratio | 88.3% |
| Tier 1 Risk-Based Capital Ratio | 19.253% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.764% |
| Earning Assets to total Assets | 81.62% |
Income and Expense
| Total Interest Income | $27.40M |
| Total Noninterest Income | $71.22M |
| Total Interest Expense | $15.13M |
| Total Noninterest Expense | $73.97M |
| Net Interest Income | $12.28M |
| Pre-tax Net Operating Income | $8.69M |
| Provision for Credit Losses | $833.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.47M |
| Other borrowed funds | $664.58M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $121.22M |
| Total Liabilities and Capital | $2.47B |
Securities
| Securities | $71.37M |
| Available-for-sale debt securities | $71.37M |
| 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 Capital Bank, SSB?
$2.47B as of the latest filing.
How much are Cornerstone Capital Bank, SSB's total deposits?
$1.31B in total deposits.
Where is Cornerstone Capital Bank, SSB located?
Houston, TX.
What is the Net Interest Margin?
2.53%.
How many domestic offices does it operate?
7.
When was it established?
12/06/1906.
What is the Return on Assets (ROA)?
0.25%.
How much are total loans and leases?
$1.72B (latest filing).
What is the total interest income (latest filing)?
$27.40M.