| Weiss Ratings |
Cornerstone Bank
Spencer, MA |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 7.30 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 2.50 | |||
| Stability Index | 5.50 | |||
| 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 | 49.01% | |||
| 5-Year Asset Growth | 7.05% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.32% | |||
| Non-Performing Loans to Capital | 3.39% | |||
| Non-Performing Loans to Loans | 0.43% | |||
| Balance Sheet |
Cornerstone Bank
Spencer, MA |
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| Total Assets | 2.57B | |||
| Total Deposits | 1.94B | |||
| Capital and Reserves |
Cornerstone Bank
Spencer, MA |
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| Capital | 227.46M | |||
| Leverage Ratio | 9.22 | |||
| Loan Loss Reserves to Loans | 0.45% | |||
| Risk-Based Capital Ratio | 12.31 | |||
| Liquidity |
Cornerstone Bank
Spencer, MA |
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| Hot Money Ratio | 24.58% | |||
| Liquidity Ratio | 14.82% | |||
| Profitability |
Cornerstone Bank
Spencer, MA |
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| 5-Year Return on Average Assets | 0.34% | |||
| Net Income | 7.15M | |||
| Net Interest Spread | 3.20% | |||
| Operating Profit to Average Assets | 0.72% | |||
| Overhead Efficiency Ratio | 83.52% | |||
| Return on Assets | 0.59% | |||
| Return on Equity | 6.76% | |||