Cornerstone National Bank & Trust Company Mortgage Rates, Fees & Info

Palatine, IL

LEI: 54930001LYHHRVGJ6B97

Tax ID: 36-4388788

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Cornerstone National Bank & Trust Company is a smaller bank specializing in Refi and Home Purchase loans. Cornerstone National Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Whitewater, Naples, Phoenix, and Cape Coral among others. We have data for 54 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cornerstone National Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Cornerstone National Bank & Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.28% 12/16/24
    30 Year Conventional Refi 5.98% 12/16/24
    30 Year Cash-out Refi 6.20% 12/16/24
    15 Year Conventional Purchase 5.76% 12/16/24
    15 Year Conventional Refi 5.58% 12/16/24
    15 Year Cash-out Refi 5.58% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Cornerstone National Bank & Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Cornerstone National Bank & Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    572

    Origination Dollar Volume (All Markets)

    $183,690,000

    Employee count

    96

    Awards

    Cornerstone National Bank & Trust Company 30 Year Conventional Loans bronze Cornerstone National Bank & Trust Company 30 Year Conventional Loans gold Cornerstone National Bank & Trust Company 30 Year Conventional Loans gold
    Show all (3) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 450 $140,440,000 $312,089 $1,265 2.75%
    Whitewater, WI (FHA|USDA|VA) 9 $6,205,000 $689,444 $1,592 2.86%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $4,675,000 $519,444 $5,235 2.75%
    Outside of Metro Areas 15 $4,575,000 $305,000 $1,725 2.70%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $2,530,000 $316,250 $1,245 2.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $2,280,000 $380,000 $2,347 2.31%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,720,000 $430,000 $731 2.78%
    MADISON, WI (FHA|USDA|VA) 3 $1,285,000 $428,333 $1,563 2.71%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $1,070,000 $535,000 $3,180 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $985,000 $328,333 $1,607 2.54%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $935,000 $311,667 $694 2.38%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $935,000 $311,667 $0 3.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $890,000 $445,000 $0 2.63%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $885,000 $295,000 $1,103 2.96%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $790,000 $395,000 $4,433 3.06%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $770,000 $385,000 $2,436 2.88%
    TUCSON, AZ (FHA|USDA|VA) 2 $760,000 $380,000 $385 2.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $745,000 $248,333 $1,746 3.42%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $730,000 $365,000 $598 2.94%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $545,000 $545,000 $3,443 2.63%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $545,000 $545,000 $5,500 2.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $540,000 $270,000 $808 2.75%
    Sandpoint, ID (FHA|USDA|VA) 1 $515,000 $515,000 $2,744 2.63%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $500,000 $250,000 $1,491 3.06%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $455,000 $455,000 $3,454 2.63%
    NILES, MI (FHA|USDA|VA) 2 $450,000 $225,000 $0 3.63%
    RACINE, WI (FHA|USDA|VA) 1 $425,000 $425,000 $0 2.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $385,000 $385,000 $0 2.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $380,000 $190,000 $1,232 2.69%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $355,000 $355,000 $2,882 3.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $335,000 $335,000 $0 2.63%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.25%
    Somerset, KY (FHA|USDA|VA) 1 $285,000 $285,000 $391 3.13%
    Fergus Falls, MN (FHA|USDA|VA) 1 $275,000 $275,000 $2,816 3.13%
    Crossville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $1,508 3.13%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $500 2.88%
    MEDFORD, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.25%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.00%
    SALINAS, CA (FHA|USDA|VA) 1 $235,000 $235,000 $2,244 3.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,141 3.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,564 3.13%
    ROCKFORD, IL (FHA|USDA|VA) 2 $220,000 $110,000 $889 3.69%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.88%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,846 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,538 3.25%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,694 2.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,289 1.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $140,000 $70,000 $2,883 2.94%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $3,263 3.25%
    DUBUQUE, IA (FHA|USDA|VA) 1 $125,000 $125,000 $1,464 2.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,749 2.50%
    Cornerstone National Bank & Trust Company's top markets include Chicago, Whitewater, Naples, Phoenix, and Cape Coral among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Cornerstone National Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 572 $183,690,000 $321,136 $1,395 2.76%

    For 2021, Cornerstone National Bank & Trust Company's most frequently originated type of loan was Conventional, with 572 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 315 $93,605,000 $297,159 $517 2.69%
    Home Purchase 154 $58,720,000 $381,299 $3,925 2.92%
    Cash Out Refi 90 $26,980,000 $299,778 $588 2.77%
    Other 12 $4,330,000 $360,833 $1,388 2.58%
    Home Improvement 1 $55,000 $55,000 $0 5.00%

    For 2021, Cornerstone National Bank & Trust Company's most frequently cited loan purpose was Refi, with 315 originations. The 2nd most popular reason was Home Purchase, with 154 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 379 $115,185,000 $303,918 $1,494 2.81%
    15 Year 138 $40,700,000 $294,928 $1,171 2.30%
    5 Year 25 $11,245,000 $449,800 $0 4.01%
    Other 13 $11,805,000 $908,077 $3,225 4.27%
    20 Year 11 $2,915,000 $265,000 $552 2.70%
    10 Year 6 $1,840,000 $306,667 $290 2.46%

    For 2021, Cornerstone National Bank & Trust Company's most frequently cited loan duration was 30 Year, with 379 originations. The 2nd most popular length was 15 Year, with 138 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 505 $155,175,000 $307,277
    $1k-2k 10 $4,910,000 $491,000
    $2k-3k 1 $375,000 $375,000
    $3k-4k 1 $375,000 $375,000
    $4k-5k 1 $145,000 $145,000

    Cornerstone National Bank & Trust Company's average total fees were $1,494, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 505 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 267 $85,865,000 $321,592
    <2.5% 193 $55,985,000 $290,078
    3-4% 97 $35,945,000 $370,567
    4-5% 13 $5,295,000 $407,308
    5-6% 2 $600,000 $300,000

    During 2021, Cornerstone National Bank & Trust Company's average interest rate for loans was 2.81%, while their most frequently originated rate bucket for loans was 2.5-3%, with 267 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 312 $90,990,000 $291,635 $1,031 2.72%
    $100k-200k 127 $19,905,000 $156,732 $1,580 2.78%
    $400k-600k 96 $47,030,000 $489,896 $1,836 2.70%
    $100,000 or less 16 $1,210,000 $75,625 $2,298 3.03%
    $600k-1MM 13 $10,195,000 $784,231 $3,532 3.36%
    $1MM+ 8 $14,360,000 $1,795,000 $5,999 3.53%

    2021 saw Cornerstone National Bank & Trust Company place emphasis on $200k-400k loans with 312 originations, totaling $90,990,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 151 $49,705,000 $329,172 $1,242 2.63%
    $100k-150k 121 $33,245,000 $274,752 $1,043 2.70%
    $250k+ 108 $48,500,000 $449,074 $1,977 2.71%
    $75k-100k 71 $16,765,000 $236,127 $1,063 2.74%
    $50k-75k 52 $10,470,000 $201,346 $1,816 2.76%
    $50k or less 24 $3,250,000 $135,417 $1,637 2.89%

    Cornerstone National Bank & Trust Company lent most frequently to those with incomes in the $150k-250k range, with 151 originations. The second most popular income band? $100k-150k, with 121 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 185 $57,175,000 $309,054 $1,349 2.63%
    <20% 121 $36,485,000 $301,529 $1,243 2.66%
    30-36% 97 $28,495,000 $293,763 $1,437 2.69%
    40% 18 $6,430,000 $357,222 $1,658 2.75%
    41% 15 $7,025,000 $468,333 $1,358 2.83%
    36% 15 $4,415,000 $294,333 $1,673 2.60%
    38% 15 $4,645,000 $309,667 $851 2.68%
    39% 15 $3,975,000 $265,000 $1,508 3.04%
    43% 14 $4,320,000 $308,571 $1,890 2.79%
    42% 11 $3,455,000 $314,091 $1,459 2.75%
    37% 9 $1,965,000 $218,333 $1,246 2.90%
    46% 9 $2,635,000 $292,778 $2,310 2.97%
    45% 7 $2,345,000 $335,000 $2,152 2.80%
    44% 5 $825,000 $165,000 $2,085 2.63%
    47% 3 $915,000 $305,000 $1,526 2.79%
    48% 2 $630,000 $315,000 $0 3.13%
    49% 1 $275,000 $275,000 $0 2.63%
    50-60% 1 $545,000 $545,000 $1,867 2.30%

    Cornerstone National Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 185 originations. The next most common DTI ratio? <20%, with 121 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 504 $154,650,000 $306,845 $1,388 2.69%
    Not applicable 28 $16,480,000 $588,571 $0 4.18%
    Asian 26 $7,810,000 $300,385 $1,313 2.51%
    Not provided 6 $2,740,000 $456,667 $3,404 3.48%
    Black 4 $1,060,000 $265,000 $1,330 2.81%
    American Indian 3 $875,000 $291,667 $0 2.75%
    Korean 1 $75,000 $75,000 $1,817 2.25%

    Approval Rates

    Total approvals of all applications
    99.18%

    Cornerstone National Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    95.45%

    Cornerstone National Bank & Trust Company has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $355,000 $355,000
    NA 571 $183,335,000 $321,077

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    572 $183,690,000 $321,136

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $14,445,000 $253,421 $946 2.59%
    40-60% 129 $39,885,000 $309,186 $1,080 2.58%
    60-80% 300 $102,990,000 $343,300 $1,250 2.84%
    80-100% 81 $25,395,000 $313,519 $2,622 2.85%
    Under 20% 5 $975,000 $195,000 $1,741 3.18%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CORNERSTONE MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Cornerstone National Bank & Trust Company 1185 South Route 31 Crystal Lake, IL 60014 Full Service B&M $66,192
    Cornerstone National Bank & Trust Company 1804 N Naper Blvd Ste 450 Naperville, IL 60563 Full Service B&M $135,785
    Cornerstone National Bank & Trust Company 21805 W Field Pkwy, Ste 110 Deer Park, IL 60010 Full Service B&M $108,169
    Cornerstone National Bank & Trust Company 650 E Algonquin Rd Suite 100 Schaumburg, IL 60173 Full Service B&M $59,479
    Cornerstone National Bank & Trust Company One West Northwest Highway Palatine, IL 60067 Full Service B&M $482,893

    For 2021, Cornerstone National Bank & Trust Company had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $32,068
    Net interest income $30,428
    Total noninterest income $7,969
    Gross Fiduciary activities income $3,500
    Service charges on deposit accounts $832
    Trading account gains and fees $0
    Additional Noninterest Income $3,637
    Pre-tax net operating income $15,118
    Securities gains (or losses, -) $-29
    Income before extraordinary items $10,768
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $10,768
    Minority interest net income $0
    Net income $10,768
    Sale, conversion, retirement of capital stock, net $623
    Net operating income $10,790

    Cornerstone National Bank & Trust Company's gross interest income from loans was $32,068,000.
    Cornerstone National Bank & Trust Company's net interest income from loans was $30,428,000.
    Cornerstone National Bank & Trust Company's fee based income from loans was $832,000.
    Cornerstone National Bank & Trust Company's net income from loans was $10,768,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,640
    Provision for credit losses $50
    Total noninterest expense $23,229
    Salaries and employee benefits $17,736
    Premises and equipment expense $1,456
    Additional noninterest expense $4,037
    Applicable income taxes $4,321
    Net charge-offs $-800
    Cash dividends $2,250

    Cornerstone National Bank & Trust Company's interest expense for loans was $1,640,000.
    Cornerstone National Bank & Trust Company's payroll and benefits expense were $17,736,000.
    Cornerstone National Bank & Trust Company's property, plant and equipment expenses $1,456,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $850,627
    Deposits held in domestic offices $850,627
    Deposits by Individuals, partnerships, and corporations $845,794
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $4,832
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $435,483
    Demand deposits $348,480
    Nontransaction accounts $415,143
    Money market deposit accounts (MMDAs) $323,141
    Other savings deposits (excluding MMDAs) $52,967
    Total time deposits $39,035
    Total time and savings deposits $502,146
    Noninterest-bearing deposits $348,482
    Interest-bearing deposits $502,145
    Retail deposits $830,037
    IRAs and Keogh plan accounts $21,343
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $949,282
    Cash & Balances due from depository institutions $238,681
    Interest-bearing balances $206,822
    Total securities $110,007
    Federal funds sold & reverse repurchase $0
    Net loans and leases $588,004
    Loan and leases loss allowance $8,085
    Trading account assets $0
    Bank premises and fixed assets $4,422
    Other real estate owned $613
    Goodwill and other intangibles $0
    All other assets $7,555

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $949,282
    Total Liabilities $864,950
    Total deposits $850,627
    Interest-bearing deposits $502,145
    Deposits held in domestic offices $850,627
    % insured (estimated) $53
    Federal funds purchased and repurchase agreements $9,484
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $4,839

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $588,004
    Loan and leases loss allowance $8,085
    Total loans and leases (domestic) $596,089
    All real estate loans $404,768
    Real estate loans in domestic offices $404,768
    Construction and development loans $5,511
    Residential 1-4 family construction $2,044
    Other construction, all land development and other land $3,467
    Loans secured by nonfarm nonresidential properties $271,433
    Nonfarm nonresidential secured by owner-occupied properties $182,766
    Commercial real estate & other non-farm, non-residential $88,667
    Multifamily residential real estate $42,262
    1-4 family residential loans $83,730
    Farmland loans $1,832
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $187,416
    To non-U.S. addressees $0
    Loans to individuals $3,029
    Credit card loans $0
    Related Plans $21
    Consumer Auto Loans $650
    Other loans to individuals $2,358
    All other loans & leases $2,200
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Cornerstone National Bank & Trust Company had $588,004,000 of loans outstanding in 2021. $404,768,000 of loans were in real estate loans. $5,511,000 of loans were in development loans. $42,262,000 of loans were in multifamily mortgage loans. $83,730,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $650,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 286 $109,363 $382,388
    Nonfarm, nonresidential loans - <$100k 15 $819 $54,600
    Nonfarm, nonresidential loans - $100-250k 65 $10,301 $158,477
    Nonfarm, nonresidential loans - $250k-1MM 206 $98,243 $476,908
    Commercial & Industrial, US addressed loans - <$1MM 588 $74,558 $126,799
    Commercial & Industrial, US addressed loans - <$100k 217 $6,828 $31,465
    Commercial & Industrial, US addressed loans - $100-250k 165 $15,236 $92,339
    Commercial & Industrial, US addressed loans - $250k-1MM 206 $52,494 $254,825
    Farmland loans - <$1MM 5 $608 $121,600
    Farmland loans - <$100k 1 $33 $33,000
    Farmland loans - $100-250k 3 $281 $93,667
    Farmland loans - $250k-1MM 1 $294 $294,000