The Cornerstone Bank
Major Rating Factors:
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). A current level of 7.9 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Asset Mix:
Home mtgs (32%), securities (13%), comm re (11%), consumer loans (10%), comm loans (8%), cash (6%), other (19%)
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
No affiliate information available.