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 Cornerstone Bank
Cornerstone Bank
| RSSD ID 447100 | CERTIFICATE 90282 | ABA NUMBER 211371735 |
| 176 Main St |
Quarter Ended : |
2025-09-30 |
| Spencer, Massachusetts, 1562 |
Updated : |
2025-10-30 |
| www.cornerstonebank.com |
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| Institution Profile |
| Year Opened : |
1871 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
195 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,766,187 |
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Total Interest Income | 57,075 |
| Total Liabilities | 1,611,849 |
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Total NonInterest Income | 10,838 |
| Total Bank Equity Capital | 154,338 |
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Total Interest Expense | 27,718 |
| Total Deposits | 1,365,249 |
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Total NonInterest Expense | 37,502 |
| Net Loans & Leases | 1,421,233 |
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Net Income | 3,461 |
| Loan Loss Allowance | 11,080 |
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Net Charge Offs | (168) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 175,001 |
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Total loans | 1,412,544 |
| Total assets for the leverage ratio | 1,727,497 |
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Loans secured by real estate: | 1,304,560 |
| Tier 1 Leverage Ratio | 9.49 |
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Commercial and industrial loans | 62,798 |
| Tier 1 Capital Ratio | 12.27 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.11 |
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Loans to individuals - Other | 44,551 |
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:· Cornerstone Bank
