CORNERSTONE BANCSHARES INC is the parent banking group. HERITAGE BANK OF THE OZARKS is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CORNERSTONE BANCSHARES INC

Legal name: CORNERSTONE BANCSHARES, INC.

1 active bank · $421M combined assets

RSSD ID: 3199820 (FFIEC NIC)

Combined Assets

$421M

CRA Rating Summary

Satisfactory1charter

Across all 4 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHERITAGE BANK OF THE OZARKSLEBANON, MOSatisfactory$421MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$421M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$375M

Net Income

$1M

ROA (avg)

1.13%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HERITAGE BANK OF THE OZARKS	LEBANON, MO	FDIC	$421M	100.0%	Satisfactory	Apr 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.