Cornerstone National Bank & Trust Company
Palatine, IL
IDRSSD: 2929392
Total Assets
$1.03B
Latest filing
Total Deposits
$924.97M
Latest filing
Net Interest Margin
4.00%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cornerstone National Bank & Trust Company
1 W Northwest Hwy
Palatine, IL 60067
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/16/2000FDIC Certificate 356679
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cornerstone National Bank & Trust Company (Main) | 1 W Northwest Hwy | Palatine, IL |
| CRYSTAL LAKE BRANCH | 1185 S Il Route 31 | Crystal Lake, IL |
| DEER PARK BRANCH | 21805 W Field Pkwy | Deer Park, IL |
| CORNERSTONE NATIONAL BANK & TRUST COMPANY OFFICE BRANCH | 1804 N Naper Blvd | Naperville, IL |
| SCHAUMBURG BANKING CENTER BRANCH | 650 E Algonquin Rd | Schaumburg, IL |
Showing 4 of 4
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/16/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60067 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/16/2000 |
| Primary Insurance Agency | DIF |
| Website | www.cnbtc.bank |
| Data Updated | 01/30/2026 |
| CERT | 57061 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $924.97M |
| Total Liabilities | $929.34M |
| Total Equity Capital | $101.43M |
| Net Income | $3.23M |
| Net Loans and Leases | $741.57M |
| Assets Per Employee ($Millions) | $10.11M |
| Bank Premises and Fixed Assets | $4.78M |
| Cash and Balances due from Depository Institutions | $77.60M |
| Deposits Held in Domestic Offices | $924.97M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 12.63% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 63.14% |
| Tier 1 Risk-Based Capital Ratio | 12.036% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.84% |
| Earning Assets to total Assets | 97.35% |
Income and Expense
| Total Interest Income | $14.08M |
| Total Noninterest Income | $1.52M |
| Total Interest Expense | $4.13M |
| Total Noninterest Expense | $7.24M |
| Net Interest Income | $9.95M |
| Pre-tax Net Operating Income | $3.91M |
| Provision for Credit Losses | $320.00k |
| 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 | $4.37M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $196.20M |
| Available-for-sale debt securities | $194.37M |
| 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 National Bank & Trust Company?
$1.03B as of the latest filing.
How much are Cornerstone National Bank & Trust Company's total deposits?
$924.97M in total deposits.
Where is Cornerstone National Bank & Trust Company located?
Palatine, IL.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
5.
When was it established?
10/16/2000.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$741.57M (latest filing).
What is the total interest income (latest filing)?
$14.08M.