The Cornerstone Bank
Major Rating Factors:
A current level of 10.4 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (34%), securities (12%), comm re (12%), comm loans (9%), consumer loans (9%), cash (6%), other (18%)
States with Branches:
MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
117 North Main Street
South West City, MO 64863
South West City, MO 64863
Phone Number
(417) 762-3257
Year Founded
1898
FDIC Number
Largest Affiliates
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