Cornerstone Bank (GA)

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

Cornerstone Bank (GA) is headquartered in Atlanta and is the 85th largest bank in the state of Georgia. It is also the 2,943rd largest bank in the nation. It was established in 2001 and as of June of 2021, it had grown to 31 employees at 3 locations. Cornerstone Bank (GA) has an A health rating.

Reviews (1)

This Bank Deserves More Customers!

Posted by: |

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 - YTD1.13%
Return on Equity - YTD13.08%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$223.7MM$225.1MM
LoansQ2 2021vs Q2 2020$139.1MM$161.9MM
DepositsQ2 2021vs Q2 2020$201.5MM$192.1MM
Equity CapitalQ2 2021vs Q2 2020$19.4MM$19.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$2.3MM$2.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$980.00K$3.0MM
Real Estate OwnedQ2 2021vs Q2 2020$585.00K$778.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cornerstone Bank (GA) Savings Account Rates

0.15%--Cornerstone First Saver
0.15%--Cornerstone Savings
0.15%--Cornerstone Business Savings

Cornerstone Bank (GA) Money Market Rates

0.35%*$25k*-Premier Money Market
OTHER TIERS: 0.15% Up to $25k
0.35%*$25k*-Business Premier Money Market
OTHER TIERS: 0.15% Up to $25k

Cornerstone Bank (GA) Checking Account Rates

0.25%*$100k*-Cornerstone Plus Checking
OTHER TIERS: 0.05% $1k - $5k | 0.15% $5k - $100k
0.25%*$100k*-Cornerstone Classic Checking
OTHER TIERS: 0.10% $1k - $20k | 0.15% $20k - $100k
0.20%*$100k*-Cornerstone Non-Corporate Checking
OTHER TIERS: 0.15% $5k - $100k

Cornerstone Bank (GA) CD Rates

0.70%$500-60 Month CD
0.60%$500-48 Month CD
0.50%$500-36 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.30%$500-12 Month CD
0.15%$500-6 Month CD
0.05%$500-3 Month CD

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

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