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237 South Main Street
Red Bluff, CA 96080

Cornerstone Community Bank (CA) is headquartered in Red Bluff and is the 182nd largest bank in the state of California. It is also the 4,133rd largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 30 employees at 2 locations. Cornerstone Community Bank (CA) has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cornerstone Community Bank (CA) had $137,000 in non-current loans and owned real-estate with $14.25 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone Community Bank (CA) a Texas Ratio of 0.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cornerstone Community Bank (CA) decreased dramatically from 1.45% as of March 31, 2013 to 0.96% as of March 31, 2014, resulting in a positive change of 33.46%.This indicates that the balance sheet and financial strength for Cornerstone Community Bank (CA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Cornerstone Community Bank (CA) has increased its total deposits by $8.52 million, resulting in 8.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cornerstone Community Bank (CA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cornerstone Community Bank (CA) has $126.85 million in assets with $14.25 million in equity, resulting in a capitalization level of 11.23%, which is excellent.

Institution Statistics

FDIC Certificate #58411
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$126.85 million
Loans$101.68 million
Deposits$111.55 million
Equity Capital$12.83 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$20,000
Real Estate Owned$117,000
Historic Data - March 2013
Assets$115.34 million
Equity Capital$12.08 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$20,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.57%
Return on Assets0.42%
Return on Equity4.14%
Interest Income$1.44 million

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Cornerstone Community Bank (CA) Locations
Redding Branch150 East Cypress StRedding, CA 96002
Cornerstone Community Bank237 South Main StreetRed Bluff, CA 96080