Cornerstone Bank (GA)


Overview / Commentary
404-601-1250
2060 Mount Paran Road, Northwest, Suite 100
Atlanta, GA 30327

Cornerstone Bank (GA) is headquartered in Atlanta and is the 70th largest bank in the state of Georgia. It is also the 2,733rd largest bank in the nation. It was established in 2001 and as of March of 2019, it had grown to 44 employees at 3 locations. Cornerstone Bank (GA)'s money market rates are 3X the national average, and it has a B 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

Health Grade Components

Overall
FDIC Certificate #35027
Year Established2001
Employees44
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.13%
Return on Equity - YTD-1.39%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$219.2MM$271.1MM
LoansQ1 2019vs Q1 2018$149.0MM$173.0MM
DepositsQ1 2019vs Q1 2018$165.6MM$246.2MM
Equity CapitalQ1 2019vs Q1 2018$20.9MM$21.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$3.0MM$3.2MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.6MM$1.7MM
Real Estate OwnedQ1 2019vs Q1 2018$1.3MM$2.1MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Cornerstone Bank (GA); we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Cornerstone First Saver
0.25%--Cornerstone Savings
0.25%--Cornerstone Business Savings
0.25%--Cornerstone @ Work Savings

Cornerstone Bank (GA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$500k*-Premier Money Market
OTHER TIERS: 0.25% Up to $2.5k | 0.50% $2.5k - $25k | 1.25% $25k - $100k | 1.41% $100k - $250k | 1.46% $250k - $500k
1.51%*$500k*-Business Premier Money Market
OTHER TIERS: 0.25% Up to $2.5k | 0.50% $2.5k - $25k | 1.25% $25k - $100k | 1.41% $100k - $250k | 1.46% $250k - $500k
1.26%*$250k*-Jumbo Money Market Promotion
OTHER TIERS: 0.50% $2.5k - $250k
1.26%*$250k*-Business Jumbo Money Market Promotion
OTHER TIERS: 0.50% $2.5k - $250k
0.90%*$100k*-Cornerstone Advantage Money Market (Personal)
OTHER TIERS: 0.40% $2.5k - $10k | 0.50% $10k - $50k | 0.60% $50k - $100k
0.90%*$100k*-Cornerstone Capital Money Market (Business)
OTHER TIERS: 0.40% $2.5k - $10k | 0.50% $10k - $50k | 0.60% $50k - $100k

Cornerstone Bank (GA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*-Cornerstone Classic Checking
OTHER TIERS: 0.15% $1k - $20k | 0.25% $20k - $50k | 0.35% $50k - $100k
0.40%*$100k*-Cornerstone Plus Checking
OTHER TIERS: 0.10% $1k - $5k | 0.30% $5k - $100k
0.20%*$100k*-Cornerstone Non-Corporate Checking
OTHER TIERS: 0.15% $5k - $100k

Cornerstone Bank (GA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.28%$500-60 Month CD
2.09%*$100k*-48 Month CD
OTHER TIERS: 2.08% $500 - $100k
2.03%*$100k*-36 Month CD
OTHER TIERS: 1.94% $500 - $100k
1.91%*$100k*-24 Month CD
OTHER TIERS: 1.84% $500 - $100k
1.68%*$100k*-18 Month CD
OTHER TIERS: 1.66% $500 - $100k
1.67%*$100k*-12 Month CD
OTHER TIERS: 1.62% $500 - $100k
1.27%*$100k*-6 Month CD
OTHER TIERS: 1.21% $500 - $100k
0.95%*$100k*-3 Month CD
OTHER TIERS: 0.93% $500 - $100k
Locations


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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