Cornerstone Bank

York, NebraskaFDIC Cert #5496

STATEEstablished 188250 branches

Holding company: FIRST YORK BAN CORPRegulator: FED

FDICCERT + OFFDOM

Portfolio 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

Latest reported loan balances by category
Category	Balance
Owner CRE	$231M
Investor CRE	$171M
Multifamily	$225M
Construction	$155M
1–4 family	$100M
C&I	$280M
Agriculture	$738M
Other	$114M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.01B

−6.9%y/y

Percentile by value93rd percentileby value

FDICLNLSGR

Net loans

$1.99B

−7.0%y/y

Percentile by value92nd percentileby value

FDICLNLSNET

Loans YoY

−7.02%

−200.3%y/y

Percentile by value3rd percentileby value

FDICLNLSNET

L/D

83.4%

−6.3%y/y

Percentile by value44th percentileby value

FDICLNLSNET + DEP

Loans/assets

75.1%

−1.2%y/y

Percentile by value61st percentileby value

FDICLNLSNET + ASSET

RE loans %

58.77%

−4.9%y/y

Percentile by value7th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,302points

+6.0%y/y

Peer standing95th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.45%

−10.2%y/y

Percentile by value46th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

8.48%

−18.2%y/y

Percentile by value14th percentileby value

FDICLNRENROT + LNLSGR

C&I %

13.91%

−0.8%y/y

Percentile by value68th percentileby value

FDICLNCI + LNLSGR