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 66^th largest bank in the state of Illinois. It is also the 1,203^rd largest bank in the nation. It was established in 2000 and as of December of 2019, it had grown to 90 employees at 4 locations. Cornerstone National Bank & Trust Company's money market rates are 59% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	57061
Year Established	2000
Employees	90
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	10.64%
Annual Interest Income	$25.9MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$631.3MM$568.4MM
Loans	Q4 2019vs Q4 2018	$465.9MM$414.8MM
Deposits	Q4 2019vs Q4 2018	$566.8MM$508.3MM
Equity Capital	Q4 2019vs Q4 2018	$55.8MM$54.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$7.1MM$7.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$3.9MM$3.0MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$514.00K

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
0.65%^*	$100k^*	-	Preferred IRA Account
OTHER TIERS: 0.55% → Up to $10k \| 0.60% → $10k - $100k
0.65%^*	$1m^*	-	Savings Account
OTHER TIERS: 0.05% → $100 - $100k \| 0.15% → $100k - $250k \| 0.20% → $250k - $500k \| 0.45% → $500k - $1m
0.65%^*	$1m^*	-	Minor Savings Account
OTHER TIERS: 0.05% → $25 - $100k \| 0.15% → $100k - $250k \| 0.20% → $250k - $500k \| 0.45% → $500k - $1m

Cornerstone National Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$1m^*	-	Preferred Money Market Account
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k \| 0.20% → $100k - $250k \| 0.25% → $250k - $500k \| 0.50% → $500k - $1m

Cornerstone National Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%^*	$25k^*	-	Interest/NOW Account
OTHER TIERS: 0.01% → $100 - $25k

Cornerstone National Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$10k^*	-	5 Year CD
OTHER TIERS: 0.70% → $1k - $10k
0.70%^*	$10k^*	-	4 Year CD
OTHER TIERS: 0.60% → $1k - $10k
0.65%^*	$100k^*	-	3 Year CD
OTHER TIERS: 0.55% → $1k - $10k \| 0.60% → $10k - $100k
0.45%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $100k
0.35%^*	$100k^*	-	1 Year CD
OTHER TIERS: 0.25% → $1k - $10k \| 0.30% → $10k - $100k
0.30%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $100k
0.15%^*	$100k^*	-	1 Month CD
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $100k
0.15%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $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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