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This institution is no longer active

Operations ceased on May 18, 2016. CRA examination history below reflects the period it was active.

CORNERSTONE COMMUNITY BANK

SAINT PETERSBURG, FL · Supervised by FDIC

Est. 1999FDIC #34,948RSSD: FDIC-34948
Part ofCORNERSTONE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2015

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Institution Profile

FDIC BankFind

Address

6300 4th Street North, SAINT PETERSBURG, FL

County

Pinellas County

Established

March 15, 1999

Total Assets

$248M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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)

Financial Snapshot

As of Q1 2016Call Report / FDIC

Total Assets

$248M

Total Deposits

$207M

Net Loans

$190M

Net Income

$558K

ROA

0.90%

ROE

7.92%

Risk-Based Capital

12.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20226086.67%5.00%
202123686.02%5.51%
202027085.19%5.56%
201915387.58%3.92%
20188576.47%11.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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