Cornerstone Community Bank
Red Bluff, CA
IDRSSD: 3485420
Total Assets
$658.10M
Latest filing
Total Deposits
$580.95M
Latest filing
Net Interest Margin
3.53%
Profitability
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 | 10/23/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 96080 |
| State and County Number | 06103 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Red Bluff, CA |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2025 |
| Date of Deposit Insurance | 10/23/2006 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 58411 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $658.10M |
| Total Deposits | $580.95M |
| Total Liabilities | $605.16M |
| Total Equity Capital | $52.94M |
| Net Income | $-2,726,000 |
| Net Loans and Leases | $471.64M |
| Assets Per Employee ($Millions) | $12.42M |
| Bank Premises and Fixed Assets | $13.91M |
| Cash and Balances due from Depository Institutions | $51.92M |
| Deposits Held in Domestic Offices | $580.95M |
Key Performance Ratios
| Return on Assets (ROA) | -1.67% |
| Return on Equity (ROE) | -20.16% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 194.96% |
| Tier 1 Risk-Based Capital Ratio | 11.404% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.96% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.044% |
| Earning Assets to total Assets | 91.58% |
Income and Expense
| Total Interest Income | $8.43M |
| Total Noninterest Income | $357.00k |
| Total Interest Expense | $3.17M |
| Total Noninterest Expense | $10.96M |
| Net Interest Income | $5.26M |
| Pre-tax Net Operating Income | $-3,777,000 |
| Provision for Credit Losses | $-1,560,000 |
| 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 | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.21M |
| Total Liabilities and Capital | $658.10M |
Securities
| Securities | $88.07M |
| Available-for-sale debt securities | $88.07M |
| 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 Community Bank?
$658.10M as of the latest filing.
How much are Cornerstone Community Bank's total deposits?
$580.95M in total deposits.
Where is Cornerstone Community Bank located?
Red Bluff, CA.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
4.
When was it established?
10/23/2006.
What is the Return on Assets (ROA)?
-1.67%.
How much are total loans and leases?
$471.64M (latest filing).
What is the total interest income (latest filing)?
$8.43M.