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Overview / Commentary
2060 Mount Paran Road, Northwest, Suite 100
Atlanta, GA 30327

CornerstoneBank is headquartered in Atlanta and is the 62nd largest bank in the state of Georgia. It is also the 2,640th largest bank in the nation. It was established in 2001 and as of June of 2016, it had grown to 48 employees at 3 locations. CornerstoneBank has a C health rating.

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Reviews (1)

This Bank Deserves More Customers!

Posted by: moore2772 | Dec 13, 2013

It has the best small business checking account in the Atlanta area. No fees, friendly, easy to work with. If more people had sense enough to bank with them, their deposit ratio would climb and their "health" rating would go up. I've had it with Wells' inefficient service and high fees. I started out at First Union, and they and every later iteration of that bank got gobbled up by the mega-banks. Cornerstone is a small bank, but as far as general banking, I have no complaints. I have accounts with 3 companies there.
Their interface with Quicken could be better and they could have fancy ATMs that give you images; but check images are returned in your statement (for free) and you can view all deposit slips and checks online any time (also for free).
I like this bank, my funds are all FDIC insured, and I'm happy to bank there. Drop by a branch to see for yourself that it's not necessary to stand in long lines just to pay high fees.


Health Grade Components

FDIC Certificate #35027
Year Established2001
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD16.94%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$237.0MM$239.1MM
LoansQ2 2016vs Q2 2015$166.6MM$167.6MM
DepositsQ2 2016vs Q2 2015$198.0MM$202.5MM
Equity CapitalQ2 2016vs Q2 2015$9.1MM$7.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$3.0MM$3.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.5MM$10.6MM
Real Estate OwnedQ2 2016vs Q2 2015$5.8MM$7.9MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CornerstoneBank Money Market Rates

0.45%*$100k*-Cornerstone Advantage Money Market (Personal)
OTHER TIERS: 0.10% $2,500 - $10k | 0.20% $10k - $50k | 0.35% $50k - $100k
0.45%*$100k*-Cornerstone Capital Money Market (Business)
OTHER TIERS: 0.10% $2,500 - $10k | 0.20% $10k - $50k | 0.35% $50k - $100k

CornerstoneBank Checking Account Rates

0.40%*$100k*-Cornerstone Classic Checking
OTHER TIERS: 0.15% $1k - $20k | 0.25% $20k - $50k | 0.30% $50k - $100k
0.25%*$100k*-Cornerstone Plus Checking
OTHER TIERS: 0.10% $1k - $5k | 0.20% $5k - $100k
0.25%*$100k*-Cornerstone Non-Corporate Checking
OTHER TIERS: 0.10% $1k - $5k | 0.20% $5k - $100k

CornerstoneBank CD Rates

1.02%--24 Month CD
0.75%--60 Month CD
0.65%--48 Month CD
0.61%--36 Month CD
0.41%--12 Month CD
0.37%--18 Month CD
0.35%--30 Month CD
0.26%--6 Month CD
0.10%--3 Month CD

CornerstoneBank Locations
Decatur Branch125 Clairemont AveDecatur, GA 30030
Cornerstonebank2060 Mount Paran Road, Northwest, Suite 100Atlanta, GA 30327
Roswell Road Branch6344 Roswell RoadSandy Springs, GA 30328