Cornerstone National Bank & Trust Company

Overview / Commentary

www.cornerstonenb.com

847-654-3000

One West Northwest Highway
Palatine, IL 60067

Cornerstone National Bank & Trust Company is headquartered in Palatine and is the 52^nd largest bank in the state of Illinois. It is also the 959^th largest bank in the nation. It was established in 2000 and as of June of 2022, it had grown to 96 employees at 5 locations. Cornerstone National Bank & Trust Company's money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	57061
Year Established	2000
Employees	96
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	10.92%
Annual Interest Income	$15.2MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$1.02B$959.9MM
Loans	Q2 2022vs Q2 2021	$603.5MM$630.8MM
Deposits	Q2 2022vs Q2 2021	$916.5MM$852.5MM
Equity Capital	Q2 2022vs Q2 2021	$83.6MM$81.3MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$8.1MM$7.3MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.2MM$3.2MM
Real Estate Owned	Q2 2022vs Q2 2021	$613.00K$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cornerstone National Bank & Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*	$100k^*	-	Preferred IRA Account
OTHER TIERS: 1.65% → Up to $10k \| 1.70% → $10k - $100k
0.90%^*	$1.5m^*	-	Savings Account
OTHER TIERS: 0.10% → $100 - $50k \| 0.20% → $50k - $100k \| 0.45% → $100k - $250k \| 0.60% → $250k - $500k \| 0.70% → $500k - $1m \| 0.80% → $1m - $1.5m
0.90%^*	$1.5m^*	-	Minor Savings Account
OTHER TIERS: 0.10% → $25 - $50k \| 0.20% → $50k - $100k \| 0.45% → $100k - $250k \| 0.60% → $250k - $500k \| 0.70% → $500k - $1m \| 0.80% → $1m - $1.5m

Cornerstone National Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$1.5m^*	-	Preferred Money Market Account
OTHER TIERS: 0.20% → $1k - $50k \| 0.30% → $50k - $100k \| 0.55% → $100k - $250k \| 0.70% → $250k - $500k \| 0.80% → $500k - $1m \| 0.90% → $1m - $1.5m

Cornerstone National Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$25k^*	-	Interest/NOW Account
OTHER TIERS: 0.05% → $100 - $25k

Cornerstone National Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$100k^*	-	5 Year CD
OTHER TIERS: 2.15% → $1k - $10k \| 2.20% → $10k - $100k
2.00%^*	$100k^*	-	4 Year CD
OTHER TIERS: 1.90% → $1k - $10k \| 1.95% → $10k - $100k
1.75%^*	$100k^*	-	3 Year CD
OTHER TIERS: 1.65% → $1k - $10k \| 1.70% → $10k - $100k
1.50%^*	$100k^*	-	2 Year CD
OTHER TIERS: 1.40% → $1k - $10k \| 1.45% → $10k - $100k
1.00%^*	$100k^*	-	1 Year CD
OTHER TIERS: 0.90% → $1k - $10k \| 0.95% → $10k - $100k
0.75%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.65% → $1k - $10k \| 0.70% → $10k - $100k
0.50%^*	$100k^*	-	1 Month CD
OTHER TIERS: 0.40% → $1k - $10k \| 0.45% → $10k - $100k
0.50%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.40% → $1k - $10k \| 0.45% → $10k - $100k

Locations

Cornerstone National Bank & Trust Company Locations
Lake Zurich Branch	21805 W Field Pkwy	Deer Park, IL 60010
Cornerstone National Bank & Trust Company Branch	1185 South Route 31	Crystal Lake, IL 60014
Cornerstone National Bank & Trust Company	1 W Northwest Hwy	Palatine, IL 60067
Naperville Banking Center Branch	1804 N Naper Blvd Ste 450	Naperville, IL 60563
Schaumburg Banking Center Branch	650 E Algonquin Rd Suite 100	Schaumburg, IL 60173

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