Cornerstone Bancorp Reports Strong Financial Performance in Q4 2025
Cornerstone Bancorp Reports Strong Financial Performance in Q4 2025
Cornerstone Bancorp, Inc. has released its quarterly financial results for the fourth quarter of 2025, demonstrating impressive growth and a stable financial position. The bank holding company, which operates Cornerstone National Bank & Trust Company, reported a net income of $3.1 million, translating to $3.14 per diluted share. This marks an increase compared to the previous year, where net income amounted to $3.0 million or $3.02 per diluted share for the fourth quarter of 2024.
Yearly Growth
For the entirety of 2025, Cornerstone Bancorp's net income increased to $10.8 million or $11.00 per diluted share, up 10.9% from the 2024 figures of $9.8 million or $9.95 per diluted share. These unaudited results highlight the bank's consistent growth trajectory as it continues to expand its portfolio of loans and investments.
Gerald F. Fitzgerald, Jr., the Chairman of Cornerstone Bancorp, expressed satisfaction with the bank's performance, emphasizing the importance of maintaining a short-duration investment portfolio that provides ample liquidity. This strategy enables Cornerstone to seize potential credit opportunities effectively. The company recorded significant growth in its loan portfolio, which exceeded $99 million in 2025, marking a 15% increase compared to the previous year.
Financial Highlights
Fourth Quarter of 2025:
- - Net Income: $3.1 million
- - Earnings per Share: $3.14
- - Net Interest Margin (NIM): 3.77%, compared to 3.30% the previous year
Full Year 2025:
- - Total Assets: $1.03 billion, reflecting a 5.8% increase from 2024
- - Loan Portfolio: $749.3 million, a growth of $101.7 million or 15.7%
- - Deposits: Rose to $924.9 million, up 6.2%
- - Tangible Shareholders' Equity: Improved by 13.2% to $91.7 million
- - Trust and Wealth Management Assets: Totaled $1.16 billion
Fitzgerald noted the strength of the bank's asset quality, as it encountered only two individual loans on nonaccrual status, totaling less than $422,000. This solid performance continues to highlight Cornerstone’s commitment to maintaining high standards in asset quality.
Capital Position
As of December 31, 2025, Cornerstone Bancorp remains well-capitalized, showcasing a Tier 1 Leverage Capital Ratio of 9.86%, just slightly below 10.00% from the previous year. The bank has managed its liquidity well, with interest-bearing deposits at correspondent banks totaling $65.6 million.
The securities portfolio stood at $198.0 million, down from $218.9 million in 2024, reflecting a calculated approach to managing assets and liabilities. The weighted average remaining life of securities approximates just one year, reinforcing the bank's focus on liquidity and risk management.
Services and Commitment
Since its establishment in 2000, Cornerstone Bancorp has been dedicated to supporting the commercial banking and investment needs of families and family-owned businesses. It prides itself on providing a relationship-oriented banking experience, a contrast to larger institutions that often overlook personal connections. The bank leads in commercial lending services and offers a range of wealth management solutions, including investment management and estate planning.
Headquartered in Palatine, Illinois, Cornerstone also operates offices in Crystal Lake, Deer Park, Naperville, and Schaumburg, ensuring its services are accessible to a broad client base.
For further information on Cornerstone Bancorp, please visit www.cnbtc.bank. As the bank navigates the evolving financial landscape, its adaptability and commitment to customer service will be key to sustaining its growth and success.
Topics Financial Services & Investing）
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