CORNERSTONE FINL SERVICES GROUP is the bank holding company. SOUTH OTTUMWA SAVINGS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CORNERSTONE FINL SERVICES GROUP

Legal name: CORNERSTONE FINANCIAL SERVICES GROUP, INC.

1 active bank · 1 merged/absorbed · $536M combined assets

RSSD ID: 1142372 (FFIEC NIC)

Combined Assets

$536M

CRA Rating Summary

Satisfactory1charter

Across all 19 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSOUTH OTTUMWA SAVINGS BANKOTTUMWA, IASatisfactory$536MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$536M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$446M

Net Income

$2M

ROA (avg)

1.36%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTH OTTUMWA SAVINGS BANK	OTTUMWA, IA	FDIC	$536M	100.0%	Satisfactory	Apr 2025

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