Cornerstone Bancorp, Inc. Releases Financial Results for Q3 2025
Cornerstone Bancorp, Inc., headquartered in Palatine, Illinois, has recently unveiled its financial performance for the third quarter of 2025, demonstrating a solid year-over-year growth. For the period that ended on September 30, 2025, the company reported consolidated net income of $2.9 million, corresponding to earnings of $2.99 per diluted share. In comparison, during the same quarter in 2024, the net income stood at $2.6 million, or $2.69 per diluted share, reflecting an 11.6% increase in year-on-year earnings. This financial report indicates that Cornerstone is successfully navigating the diverse challenges presented by the banking sector.
One of the most notable aspects of this report is the improvement in the net interest margin (NIM), which climbed to 3.75% for Q3 2025 from 3.33% in the previous year. This increase suggests that the company is effectively managing its earning assets and liabilities, optimizing the interest income generated from its operations.
Moreover, the bank earned $924,000 from interest-bearing deposit accounts with correspondent banks for the third quarter of 2025, a decrease from $1.3 million in Q3 2024. Earnings from U.S. Treasury securities also saw a slight decline, totaling $1.6 million in Q3 2025 compared to $1.7 million in the same period last year. Notably, this interest is exempt from Illinois income taxes, which can enhance profitability.
On the expense side, noninterest expenses totaled $6.7 million in Q3 2025, a slight increase compared to $6.3 million in Q3 2024. This rise in expenses reflects the growing operational scale of Cornerstone as it expands its reach in providing banking and wealth management services.
In terms of balance sheet highlights, Cornerstone Bancorp reported total assets of $1.02 billion as of September 30, 2025, marking a year-over-year increase of 1.5% from $1.00 billion. This asset growth can be attributed to an expanding loan portfolio, which has risen to $716.4 million, an impressive 10.1% increase from $651 million the previous year. Similarly, deposits grew marginally, totaling $904.5 million, reflecting a 0.7% increase compared to the same quarter last year.
Tangible shareholders' equity also experienced a healthy improvement, increasing by 12.6% to reach $88.2 million on September 30, 2025, compared to $78.3 million a year earlier, indicating a robust capital position for the bank. This positions Cornerstone as a well-capitalized institution, with a Tier 1 Leverage Capital Ratio of 10.25%, surpassing the regulatory requirements.
Additionally, Cornerstone’s trust and wealth management segment has flourished, with total assets reaching $1.13 billion, up from $1.02 billion a year prior. This growth highlights the bank's commitment to serving families and family-owned businesses through its diverse service offerings, including investment management and estate administration.
Founded in 2000, Cornerstone Bancorp focuses on commercial banking and investment services while maintaining a client-centric approach. Its commitment to leveraging advanced technology and personal relationships has allowed it to thrive even as larger institutions tend to shift focus toward a more institutional approach in banking. Cornerstone’s steady growth trajectory is expected to continue as it expands its client base and enhances service offerings.
For more information about Cornerstone Bancorp and its services, visit their official website at www.cnbtc.bank.
Readers should note that this report may contain forward-looking statements subject to various risks and uncertainties. Hence, while Cornerstone Bancorp's management is optimistic about the future based on current analyses, actual performance may differ due to market conditions and competitive factors affecting the banking industry.
One of the most notable aspects of this report is the improvement in the net interest margin (NIM), which climbed to 3.75% for Q3 2025 from 3.33% in the previous year. This increase suggests that the company is effectively managing its earning assets and liabilities, optimizing the interest income generated from its operations.
Moreover, the bank earned $924,000 from interest-bearing deposit accounts with correspondent banks for the third quarter of 2025, a decrease from $1.3 million in Q3 2024. Earnings from U.S. Treasury securities also saw a slight decline, totaling $1.6 million in Q3 2025 compared to $1.7 million in the same period last year. Notably, this interest is exempt from Illinois income taxes, which can enhance profitability.
On the expense side, noninterest expenses totaled $6.7 million in Q3 2025, a slight increase compared to $6.3 million in Q3 2024. This rise in expenses reflects the growing operational scale of Cornerstone as it expands its reach in providing banking and wealth management services.
In terms of balance sheet highlights, Cornerstone Bancorp reported total assets of $1.02 billion as of September 30, 2025, marking a year-over-year increase of 1.5% from $1.00 billion. This asset growth can be attributed to an expanding loan portfolio, which has risen to $716.4 million, an impressive 10.1% increase from $651 million the previous year. Similarly, deposits grew marginally, totaling $904.5 million, reflecting a 0.7% increase compared to the same quarter last year.
Tangible shareholders' equity also experienced a healthy improvement, increasing by 12.6% to reach $88.2 million on September 30, 2025, compared to $78.3 million a year earlier, indicating a robust capital position for the bank. This positions Cornerstone as a well-capitalized institution, with a Tier 1 Leverage Capital Ratio of 10.25%, surpassing the regulatory requirements.
Additionally, Cornerstone’s trust and wealth management segment has flourished, with total assets reaching $1.13 billion, up from $1.02 billion a year prior. This growth highlights the bank's commitment to serving families and family-owned businesses through its diverse service offerings, including investment management and estate administration.
Founded in 2000, Cornerstone Bancorp focuses on commercial banking and investment services while maintaining a client-centric approach. Its commitment to leveraging advanced technology and personal relationships has allowed it to thrive even as larger institutions tend to shift focus toward a more institutional approach in banking. Cornerstone’s steady growth trajectory is expected to continue as it expands its client base and enhances service offerings.
For more information about Cornerstone Bancorp and its services, visit their official website at www.cnbtc.bank.
Readers should note that this report may contain forward-looking statements subject to various risks and uncertainties. Hence, while Cornerstone Bancorp's management is optimistic about the future based on current analyses, actual performance may differ due to market conditions and competitive factors affecting the banking industry.
Topics Financial Services & Investing）
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