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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Cornerstone Capital Bank SSB

Houston, Texas · $3.67B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

110.0%
Loans / deposits
12th of 12
0.10%
ROA
12th of 12
+67.5%
Loans, year over year
1st of 12, largest first

Cornerstone Capital Bank SSB is the eighth largest of the 12 Texas banks nearest its size between $3B and $10B, with $3.67B in assets at 30 June 2026. Loans are 110.0% of deposits, the highest in the cohort against a median of 68.7%, and equity is 10.8% of assets, 9th of 12. Loans grew +67.5% in the year, the fastest in the cohort, and deposits grew 59.8%; the cohort's median loan growth is +3.4%.

Noncurrent loans are 3.62% of the book, 10th of 12 against a median of 0.91%; 0.10% is 30 to 89 days past due, and the allowance covers them 0.2 times. Commercial real estate is 20.5% of loans, 2nd of 12 against a median of 44.7%, and 147% of capital, below the 300% screen, with construction at 58% against the 100% screen. CRE has grown +864.4% over 36 months, past the guidance's 50% prong.

Return on assets is 0.10%, the lowest in the cohort against a median of 1.60%, on an efficiency ratio of 89.0%, 11th of 12. Five years ago it was 1.23%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 68.7% TE Texas Exchange Bank 26.2% IB International Bank of Com 40.2% MB Monet Bank 49.8% FN First National Bank Texas 55.8% LS Lone Star National Bank 61.5% IN Inwood National Bank 67.7% VN Verabank National Association 69.6% WB Weststar Bank 88.6% VB Vantage Bank Texas 88.9% AB Austin Bank Texas N.A. 89.3% TB Texas Bank & Trust Co. 91.5% CC Cornerstone Capital Bank SSB 110.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.4% CC Cornerstone Capital Bank SSB +67.5% MB Monet Bank +18.5% VB Vantage Bank Texas +14.7% WB Weststar Bank +9.5% FN First National Bank Texas +6.9% LS Lone Star National Bank +4.0% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Cornerstone Capital Bank SSB is the 174th largest 7(a) lender into Texas of 706, with $34M across 102 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 15 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lubbock, TX$21M3rd of 975.6%+0.8 pts
Young, TX$2M6th of 187.5%quiet FY2021
Ector, TX$2M31st of 710.6%quiet FY2020
Tarrant, TX$2M190th of 2810.0%quiet FY2021
Cleveland, OK$2M29th of 880.7%quiet FY2009
Midland, TX$1M43rd of 900.5%quiet FY2020
Bell, TX$1M60th of 1210.4%thin
Guadalupe, TX$1000K45th of 760.5%quiet FY2011
Collin, TX$869K190th of 2610.0%-0.1 pts
Lynn, TX$651K2nd of 617.1%quiet FY2022
Hill, TX$561K26th of 410.8%thin
Williamson, TX$502K147th of 1810.0%quiet FY2019
Hockley, TX$326K14th of 221.7%quiet FY2009
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services14$7M20.1%0.01%690th of 2,596
Other services15$5M13.6%0.01%555th of 2,248
Construction7$5M13.2%0.01%601st of 2,063
Retail trade18$3M9.2%0.01%910th of 2,589
Health care & social assistance11$3M7.7%0.01%758th of 2,172
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Cornerstone Capital Bank SSB
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans CC Cornerstone Capital Bank SSB 0.1% $34M · 102 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Cornerstone Capital Bank SSB among them; owner-occupied excluded; bold marks a screen met
Cornerstone Capital Bank SSBRankCohort median
Total CRE against capital, the 300% screen147%5th of 12186%
Construction against capital, the 100% screen58%7th of 1257%
Construction and land development, share of loans8.0%1st of 1212.2%
Non-owner-occupied nonfarm nonresidential, share of loans10.0%2nd of 1224.6%
Total CRE, the guidance definition, share of loans20.5%2nd of 1244.7%
CRE growth over 36 months, the third prong+864.4%12th of 12+22.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Lone Star National Bank$3.28B1.4%63.1%1.06%0.02%1.2%61.5%11.7%
Weststar Bank$3.28B2.3%47.0%0.00%-0.01%1.0%88.6%11.7%
Monet Bank$3.16B4.2%20.6%25.76%-4.13%1.5%49.8%31.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cornerstone Capital Bank SSBCohort median
20212026Change20212026Change
Loans$74M$2.61B+3415%$1.44B$2.49B+73%
Deposits$188M$2.37B+1158%$2.37B$3.27B+38%
NPA / loans0.43%3.62%+3.19 pts0.46%0.91%+0.46 pts
Efficiency65.4%89.0%+23.6 pts56.3%55.1%-1.3 pts
ROA1.23%0.10%-1.12 pts1.41%1.60%+0.19 pts

This read was prepared for Cornerstone Capital Bank SSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cornerstone Capital Bank SSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.cornerstonecapital.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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