CORNERSTONE NATIONAL BANK & TRUST COMPANY

PALATINE, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2000FDIC #57,061

Satisfactory Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.01%

Institution Profile

FDIC BankFind

Website

www.cnbtc.bank

Address

1 W Northwest Hwy, PALATINE, IL

County

Cook County

Established

October 16, 2000

Total Assets

$1.0B(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

January 10, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$914M

Net Loans

$763M

Net Income

$3M

ROA

1.01%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.21%

Risk-Based Capital

12.80%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.01%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.80%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate4.42%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$892M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	113	87.61%	4.42%
2023	83	89.16%	2.41%
2022	191	94.24%	1.05%
2021	609	93.92%	0.82%
2020	1,111	94.33%	1.53%
2019	311	93.57%	1.29%
2018	154	88.96%	3.90%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2022	Satisfactory	Intermediate Small Bank
Nov 2018	Satisfactory	Intermediate Small Bank
Jun 2015	Satisfactory	Intermediate Small Bank

2 previous ratings locked — back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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