$1.87B
+37.2%y/y
Percentile by value87th percentileby value
FDIC
LNLSGRCB
Cornerstone Bank
Spencer, MassachusettsFDIC Cert #90282
STATEEstablished 187117 branches
Holding company: PEOPLESBANCORP MHCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $107M |
| Investor CRE | $436M |
| Multifamily | $104M |
| Construction | $32M |
| 1–4 family | $972M |
| C&I | $88.8M |
| Agriculture | $830K |
| Other | $124M |
Loan book
Reported balances and balance-sheet intensity.
$1.86B
+37.7%y/y
Percentile by value88th percentileby value
FDIC
LNLSNET+37.72%
+1,258.1%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET95.2%
−4.7%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET + DEP77.5%
−2.0%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET + ASSET94.55%
−3.2%y/y
Percentile by value83rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
248%
−4.0%y/y
Percentile by value58th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC14%
+74.0%y/y
Percentile by value12th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,388points
−5.7%y/y
Peer standing6th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.72%
−29.9%y/y
Percentile by value11th percentileby value
FDIC
LNRENROW + LNLSGR23.37%
−9.2%y/y
Percentile by value64th percentileby value
FDIC
LNRENROT + LNLSGR4.76%
+23.9%y/y
Percentile by value14th percentileby value
FDIC
LNCI + LNLSGR