Cornerstone Capital Bank SSB
Roscoe, Texas · FDIC Cert #1213
Cornerstone Capital Bank SSB is an FDIC-insured bank (Certificate #1213) with $2.3B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Roscoe, Texas, the bank maintains a Tier 1 capital ratio of 26.85% (Well-Capitalized) and a nonperforming loan ratio of 1.99%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cornerstone Capital Bank SSB (FDIC cert 1213) is a mid-sized bank with $2.3B in total assets and $1.3B in deposits, based in Roscoe, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 26.85% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.99% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.85% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Cornerstone Capital Bank SSB carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cornerstone Capital Bank SSB
- Total Assets
- $2.3B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 26.85%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.99%
- Liquidity Ratio
- 36.38%
- Return on Assets
- 0.85%
- Headquarters
- Roscoe, Texas
- FDIC Certificate
- #1213
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cornerstone Capital Bank SSB holds a Tier 1 capital ratio of 26.85%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cornerstone Capital Bank SSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cornerstone Capital Bank SSB shows strong financial health indicators. With $2.3B in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cornerstone Capital Bank SSB Compares
Cornerstone Capital Bank SSB’s Health Score of 83 is 9 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 26.85% Tier 1 capital ratio is 12.8 points above the US banking industry average near 14%. The 1.99% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.85% is below the national ROA benchmark of ~1.1%. Among 544 similarly-sized banks, the average Health Score is 72, meaning this bank ranks above its size cohort. Site-wide, Cornerstone Capital Bank SSB is 13 points above the portfolio average of 70.
Frequently Asked Questions
Cornerstone Capital Bank SSB has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 26.85%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cornerstone Capital Bank SSB's Tier 1 capital ratio of 26.85% and nonperforming loan ratio of 1.99% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cornerstone Capital Bank SSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1213). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cornerstone Capital Bank SSB holds $2.3B in total assets and $1.3B in total deposits. It is headquartered in Roscoe, Texas (FDIC Certificate #1213).
Cornerstone Capital Bank SSB has a Tier 1 capital ratio of 26.85%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.99%, and the return on assets is 0.85%.
Yes. Cornerstone Capital Bank SSB is FDIC-insured (Certificate #1213). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cornerstone Capital Bank SSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.