Cornerstone Capital Bank, SSB
Houston, Texas, Harris County
$3.7B in total assets, the 365th largest of 4,309 US banks and 28th of 352 headquartered in Texas.
- FDIC certificate
- 1213
- Established
- 1906
- Owned by
- Cornerstone Capital Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.cornerstonecapital.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.7B | 82% | $2.2B | |
| Loans | $2.6B | 87% | $1.3B | |
| Deposits | $2.4B | 71% | $1.7B | |
| Return on assets | 0.25% | 2% | 1.54% | |
| Net interest margin | 2.95% | 12% | 3.96% | |
| Efficiency ratio | 88.5% | 97% | 57.5% | |
| Equity to assets | 10.78% | 52% | 10.59% | |
| Loans to deposits | 110% | 98% | 80% |
Growth
Total assets grew 77.1% a year over the last 5 years and 37.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2026 | Peoples Bank Lubbock, TX | $1.2B |
Where they operate
16 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harris County, TX | $968M | 0.3% | 24 of 87 |
| Lubbock County, TX | $775M | 5.9% | 6 of 28 |
| Nolan County, TX | $234M | 43.4% | 1 of 3 |
| Hill County, TX | $61M | 8.5% | 5 of 7 |
| Gaines County, TX | $58M | 10.5% | 3 of 5 |
| Bastrop County, TX | $52M | 2.4% | 6 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 13 branches since 2016 (3 to 16, +433.3%). 3 opened, 12 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2023 | Opened Bastrop and SweetwaterClosed Bastrop and Sweetwater | 2 | 2 | 0 | 3 |
| 2024 | Opened Roscoe | 1 | 0 | +1 | 4 |
| 2026 through Q2 | Acquired Peoples Bank | 12 | 0 | +12 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 54% | 19% | |
| Commercial real estate | 14% | 39% | |
| Business (C&I) | 10% | 15% | |
| Construction and land | 8% | 13% | |
| Agricultural | 5% | 1% | |
| Farmland | 5% | 3% | |
| Multifamily | 2% | 3% | |
| Consumer | 1% | 2% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 48% | |
| Noninterest-bearing | 30% | 26% | |
| Time deposits | 16% | 26% |
Brokered deposits are 4.2% of deposits (peers 4.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.98% | 0.42% |
| Net charge-offs, annualized | 0.08% | 0.04% |
| Reserves to loans | 0.59% | 1.20% |
| Leverage ratio | 10.26% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Harris County, TX
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/cornerstone-capital