Cornerstone Bank

Cornerstone Bank is a currently active commercial lending specialization banking institution headquartered in Spencer, Massachusetts. Established in 04/05/1871, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Cornerstone Bank manages $2.40B in total assets and holds $1.95B in customer deposits. When evaluating the stability of Cornerstone Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.57%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.77%, while its Return on Equity (ROE) sits at 8.34%. These robust metrics contribute to an overall health score of 8.6 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.