Cornerstone Bank

York, Nebraska, York County

$2.7B in total assets, the 481st largest of 4,309 US banks and 4th of 139 headquartered in Nebraska.

At a glance

Compared with 20 banks headquartered in Nebraska with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$2.7B	90%	$1.2B
Loans	$2.1B	90%	$915M
Deposits	$2.3B	90%	$1.1B
Return on assets	1.20%	40%	1.24%
Net interest margin	3.42%	40%	3.48%
Efficiency ratio	62.2%	60%	60.8%
Equity to assets	9.15%	20%	9.98%
Loans to deposits	90%	55%	90%

Total assets grew 6.7% a year over the last 5 years and 6.8% a year over 10 years, including 7 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Dec 2024	Bank of Orchard Orchard, NE	$33M
Oct 2022	Ashton State Bank Ashton, NE	$19M
Jan 2021	The Tilden Bank Tilden, NE	$92M
Dec 2019	Security Home Bank Malmo, NE	$38M
Oct 2018	Franklin State Bank Franklin, NE	$46M
Jan 2017	The Murray State Bank Murray, NE	$48M
Sep 2016	The State Bank of Hildreth Hildreth, NE	$31M
Oct 2015	The Guide Rock State Bank Guide Rock, NE	$27M
Feb 2015	North Loup Valley Bank North Loup, NE	$21M
Apr 2014	Bank of Marquette Marquette, NE	$30M
Apr 2012	Frontier Bank Davenport, NE	$25M
Oct 2011	First State Bank Shelton, NE	$30M
Apr 2010	Harvard State Bank Harvard, NE	$36M
Jan 2008	Bank of St. Edward St. Edward, NE	$39M
Oct 2005	The Albion National Bank Albion, NE, an affiliate under the same holding company	$71M
Oct 2005	City State Bank Sutton, NE, an affiliate under the same holding company	$65M
Apr 2002	Citizens State Bank Polk, NE	$11M
Feb 2001	The First National Bank of Stromsburg Stromsburg, NE	$26M
Feb 2000	Bank of Monroe Monroe, NE	$18M
Jun 1990	First Federal Savings Association of York York, NE	$55M
Oct 1985	The First National Bank of Bradshaw Bradshaw, NE, an affiliate under the same holding company	$7M
Oct 1985	Blue River Bank Mccool Junction, NE, an affiliate under the same holding company	$6M
Oct 1985	Farmers & Traders Bank Waco, NE, an affiliate under the same holding company	$8M

49 branches in 23 counties.

County	Deposits	Market share	Rank
York County, NE	$950M	62.3%	1 of 5
Clay County, NE	$187M	76.9%	1 of 3
Boone County, NE	$146M	28.3%	1 of 6
Platte County, NE	$114M	6.5%	6 of 14
Hamilton County, NE	$110M	21.3%	2 of 6
Polk County, NE	$101M	41.4%	2 of 3

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 11 branches since 2016 (38 to 49, +28.9%). 2 opened, 9 acquired, 0 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				38
2016	Acquired The State Bank of Hildreth	1	0	+1	39
2017	Acquired The Murray State BankOpened Wilcox	2	0	+2	41
2018	Acquired Franklin State Bank	1	0	+1	42
2019	Acquired Security Home BankOpened Plattsmouth	2	0	+2	44
2021	Acquired The Tilden Bank	3	0	+3	47
2022	Acquired Ashton State Bank	1	0	+1	48
2024	Acquired Bank of Orchard	1	0	+1	49

Type	This bank	Peers
Agricultural	22%	9%
Commercial real estate	18%	29%
Farmland	15%	12%
Business (C&I)	15%	13%
Multifamily	11%	7%
Construction and land	7%	8%
1-4 family residential	5%	17%
Consumer	1%	2%
Other	5%	2%

Type	This bank	Peers
Other interest-bearing	47%	55%
Time deposits	39%	31%
Noninterest-bearing	14%	14%

Brokered deposits are 7.9% of deposits (peers 10.2%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/cornerstone-bank-york-ne