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Cornerstone Community Bank

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Cornerstone Community Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cornerstone Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 28, 2026

Cornerstone Community Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.84%, 6-month CD rates at 2.72% and 3-month CD rates at 2.56%. Savings rates are at 0.88% and money market rates are at 1.19%. Mortgage rates on 30-year fixed loans are around 7.17%. These rates come from our rate database, not Cornerstone Community Bank, and you can see how they compare in the Cornerstone Community Bank rate tables below. MonitorBankRates evaluates the financial stability of Cornerstone Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 09/28/2026.

Cornerstone Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cornerstone Community Bank? Share your experience about Cornerstone Community Bank by leaving a review below, or read customer reviews before you decide to use Cornerstone Community Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Cornerstone Community Bank

1819 Frederica St
Owensboro, KY 42301

https://ourccbank.com

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for Cornerstone Community Bank, but our database is updated constantly, so check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cornerstone Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cornerstone Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cornerstone Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cornerstone Community Bank

FDIC Certificate # 59379

Address 1819 Frederica St, Owensboro, KY 42301 · Daviess

Website https://ourccbank.com

Established 20260608

FDIC Insurance Date 20260608

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.3371%

Return on Equity (ROE) -0.6100%

Non-Performing Loans (NPL) 0.00%

Total Assets $44,491,000

Total Deposits $19,886,000

Equity Capital $24,595,000

Net Income $-75,000

Headquarters Owensboro

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Cornerstone Community Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Cornerstone Community Bank

How many branches does Cornerstone Community Bank operate?

Cornerstone Community Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cornerstone Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cornerstone Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cornerstone Community Bank offer online and mobile banking?

Most modern institutions like Cornerstone Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://ourccbank.com.