| Weiss Ratings |
Cornerstone Bank
Spencer, MA |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 2.60 | |||
| Stability Index | 5.90 | |||
| Company Info |
Cornerstone Bank
Spencer, MA |
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| FDIC Number | 90282 | |||
| Phone Number | (508) 421-8070 | |||
| Website | cornerstonebank.com | |||
| Asset Quality |
Cornerstone Bank
Spencer, MA |
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| 1-Year Asset Growth | 8.50% | |||
| 5-Year Asset Growth | 7.05% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | -0.01% | |||
| Non-Performing Assets to Assets | 0.38% | |||
| Non-Performing Loans to Capital | 3.72% | |||
| Non-Performing Loans to Loans | 0.48% | |||
| Balance Sheet |
Cornerstone Bank
Spencer, MA |
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| Total Assets | 1.82B | |||
| Total Deposits | 1.42B | |||
| Capital and Reserves |
Cornerstone Bank
Spencer, MA |
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| Capital | 159.65M | |||
| Leverage Ratio | 9.58 | |||
| Loan Loss Reserves to Loans | 0.42% | |||
| Risk-Based Capital Ratio | 12.90 | |||
| Liquidity |
Cornerstone Bank
Spencer, MA |
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| Hot Money Ratio | 25.47% | |||
| Liquidity Ratio | 14.39% | |||
| Profitability |
Cornerstone Bank
Spencer, MA |
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| 5-Year Return on Average Assets | 0.22% | |||
| Net Income | 8.35M | |||
| Net Interest Spread | 2.52% | |||
| Operating Profit to Average Assets | 0.54% | |||
| Overhead Efficiency Ratio | 93.37% | |||
| Return on Assets | 0.49% | |||
| Return on Equity | 5.43% | |||