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 68^th largest bank in the state of Illinois. It is also the 1,224^th largest bank in the nation. It was established in 2000 and as of June of 2019, it had grown to 87 employees at 4 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 2019

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Health Grade Components

Overall
FDIC Certificate #	57061
Year Established	2000
Employees	87
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	11.51%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$605.9MM$555.7MM
Loans	Q2 2019vs Q2 2018	$448.9MM$408.4MM
Deposits	Q2 2019vs Q2 2018	$540.9MM$491.6MM
Equity Capital	Q2 2019vs Q2 2018	$57.9MM$58.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$7.1MM$6.6MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$3.3MM$3.1MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$754.00K

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: 1.20% → Up to $10k \| 1.65% → $10k - $100k
0.90%^*	$1m^*	-	Savings Account
OTHER TIERS: 0.10% → $100 - $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $250k \| 0.35% → $250k - $500k \| 0.65% → $500k - $1m
0.90%^*	$1m^*	-	Minor Savings Account
OTHER TIERS: 0.10% → $25 - $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $250k \| 0.35% → $250k - $500k \| 0.65% → $500k - $1m

Cornerstone National Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$1m^*	-	Preferred Money Market Account
OTHER TIERS: 0.15% → $1k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k \| 0.50% → $250k - $500k \| 0.75% → $500k - $1m

Cornerstone National Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$25k^*	-	Interest/NOW Account
OTHER TIERS: 0.05% → $100 - $10k \| 0.10% → $10k - $25k

Cornerstone National Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$100k^*	-	5 Year CD
OTHER TIERS: 1.80% → $1k - $10k \| 1.90% → $10k - $100k
1.90%^*	$100k^*	-	4 Year CD
OTHER TIERS: 1.70% → $1k - $10k \| 1.80% → $10k - $100k
1.75%^*	$100k^*	-	3 Year CD
OTHER TIERS: 1.20% → $1k - $10k \| 1.65% → $10k - $100k
1.60%^*	$100k^*	-	2 Year CD
OTHER TIERS: 1.00% → $1k - $10k \| 1.50% → $10k - $100k
1.25%^*	$100k^*	-	1 Year CD
OTHER TIERS: 0.60% → $1k - $10k \| 1.15% → $10k - $100k
0.75%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.50% → $1k - $10k \| 0.70% → $10k - $100k
0.50%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.30% → $1k - $10k \| 0.40% → $10k - $100k
0.35%^*	$100k^*	-	1 Month CD
OTHER TIERS: 0.25% → $1k - $10k \| 0.30% → $10k - $100k

Locations

Cornerstone National Bank & Trust Company Locations
Lake Zurich Branch	585 Ela Rd	Lake Zurich, IL 60047
Cornerstone National Bank & Trust Company Branch	650 East Terra Cotta Avenue, Suite 11	Crystal Lake, IL 60014
Cornerstone National Bank & Trust Company	One West Northwest Highway	Palatine, IL 60067
Naperville Banking Center Branch	1804 N Naper Blvd Ste 450	Naperville, IL 60563

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