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CORNERSTONE BANK, NATIONAL ASSOCIATION

LEXINGTON, VA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2009FDIC #58,859
Outstanding Up

Current rating · Exam: August 2020

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

54 S Main St, LEXINGTON, VA

County

Lexington City County

Established

February 17, 2009

Total Assets

$228M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 17, 2020

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$228M

Total Deposits

$194M

Net Loans

$182M

Net Income

$693K

ROA

1.22%

ROE

11.61%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$188M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 2011

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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