Personal Banking
Who Is Cornerstone Capital Bank?
Cornerstone Capital Bank started as two separate companies–a local Texas bank and a national mortgage lender. The combined 150 years of dedication to learning what customers need when making financial decisions drove a master-minded acquisition of Roscoe Bank by Cornerstone Home Lending resulting in one of the highest capitalized de novo banks in U.S. history. We first lead the charge in making mortgage fast and digital, and now we are doing it with banking. Our clients get more banking and mortgage benefits, simpler mobile and online access plus the option of walking into a branch for one-on-one financial support. We aren’t the new kid on the block, we are the trusted, long-time neighbor.
Bank with Confidence
Financial institutions across the country depend on the strength of Cornerstone Capital Bank to meet loan growth and diversification objectives, generate meaningful returns on excess liquidity, and serve their customers’ home mortgage needs.
2nd Quarter 2024 Financial Highlights
Assets
Less than 7% of assets are marketable securities.
Deposits
More than 85% of deposits
are fully insured.
Cash plus marketable securities is
4.6 times
the amount of uninsured deposits
The bank’s capital well exceeds the highest regulatory thresholds.
Performance Indicators
- A Texas ratio less than 1%
- Low Accumulated Other Comprehensive Income (AOCI) compared to the 100 U.S. banks of similar size
- A diversified and stable deposit base
- Strong sources of liquidity including multiple available and unfunded lines of credit
- Existing regulatory capital over $339MM
- Non-interest income as a % of assets in the top quartile of peer banks
Offerings
Our institutional professionals serve community banks, credit unions, trust companies, and investment firms across the nation with asset and liability support. We bring efficiency and positivity into every interaction and we’re here to help your institution:
- Meet loan growth and diversification objectives with high-quality assets
- Generate meaningful returns on excess liquidity
- Include mortgage loans in your profile, on your terms
2024 YTD Highlights
Loan Growth
+0%
Deposit Growth
+0%
Recognized as an
ICBA
Top Lender
Top 1%
of All Companies on Glassdoor
Our Mission
We honor God by using our talents to make a positive difference in the lives of our team members, customers, shareholders, communities, and the people who provide services to us.
Our Convictions
- We Live and Lead with Honesty and Integrity
- We Respect and Care for Our People
- We Go All-Out Because We Are All-In
- We Are Wise Stewards
News
Cornerstone Capital Bank Among Fastest Growing Banks in the Nation
Sep. 16, 2024Cornerstone Capital Bank Appoints Paul Woo as Chief Financial Officer
Aug. 26, 2024Cornerstone Capital Bank Adds Seven Senior Executives to Leadership Team
Jul. 22, 2024Cornerstone Capital Bank Appoints Patrick Ramsier as President of Capital Markets – Commercial Real Estate
Jul. 17, 2024Cornerstone Capital Bank Celebrates One-Year Anniversary of Merger
Oct. 02, 2023Awards
2023
Houston Business Journal Family-Owned Business Award recognizing financial performance and community service (2023, large company category) | LINK
ICBA Top Lenders List Nationwide, banks > $1 billion in assets (2023) | LINK
Top Workplace - San Antonio Express-News (2023)
Top Workplace - Houston Chronicle (2023)