Institution Statistics
| Cornerstone National Bank & Trust Company | | FDIC Certificate # | 57061 | | BankRate Report | View | | Year Established | 2000 | | Employees | 65 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $429.02 million | | Loans | $318.30 million | | Deposits | $377.49 million | | Equity Capital | $43.16 million | | Loan Loss Allowance | $6.76 million | | Unbacked Noncurrent Loans | $18.83 million | | Real Estate Owned | $4.32 million |
Historic Data - March 2011 | | Assets | $425.37 million | | Equity Capital | $41.40 million | | Loan Loss Allowance | $5.27 million | | Unbacked Noncurrent Loans | $16.84 million | | Real Estate Owned | $2.38 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.55% | | Return on Assets | 0.4% | | Return on Equity | 3.97% | | Interest Income | $4.22 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Cornerstone National Bank & Trust Company had $23.14 million in non-current loans and owned real-estate with $49.92 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone National Bank & Trust Company a Texas Ratio of 46.37% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Cornerstone National Bank & Trust Company held steady from 41.20% as of March 31, 2011 to 46.37% as of March 31, 2012, resulting in a negative change of 12.55%. This indicates that the balance sheet and financial strength for Cornerstone National Bank & Trust Company has held steady in recent periods. | | Deposit Growth | | | In the past year, Cornerstone National Bank & Trust Company has increased its total deposits by $1.54 million, resulting in 0.41% 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 National Bank & Trust Company has shown is average. | | Capitalization |  | | 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 National Bank & Trust Company has $429.02 million in assets with $49.92 million in equity, resulting in a capitalization level of 11.63%, which is above average. |
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