--- title: Cornerstone Bank url: https://lender.report/lender/cornerstone-bank-ma/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 90282, rssd: 447100, ncua: null, lei: 5493005DJAOTPGS83Z81} --- # Cornerstone Bank > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Cornerstone Bank, https://lender.report/lender/cornerstone-bank-ma/, data as of June 30, 2026. Bank, Spencer, MA. Regulator: Federal Reserve. Identifiers: FDIC certificate 90282; RSSD 447100; LEI 5493005DJAOTPGS83Z81. ## Facts, each with its source and date - Reported $2.6B in total assets as of June 30, 2026 (FDIC call report). - Held $802.1M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $442.7M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 20.6% from a year earlier, including loans acquired in a merger (FDIC call report). - Held $122.8M of multifamily loans as of June 30, 2026, up 61.8% from a year earlier, including loans acquired in a merger (FDIC call report). - Held $112.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 4.3% from a year earlier, including loans acquired in a merger (FDIC call report). - Originated 19 multifamily loans totaling $19.8M in 2025 (HMDA). - Originated 8 multifamily loans totaling $6.3M in 2024 (HMDA). - Originated 83 1-4 unit investor or business-purpose loans totaling $21.5M in 2025 (HMDA). - Recorded 11 SBA 7(a) approvals totaling $2.3M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA). - Provided the first lien on 14 SBA 504 projects with $6.6M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA). - Estimated legal lending limit of about $34.5M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 17 offices in 1 state (FDIC). - Held 566 commercial and industrial loans that were $1 million or less when made, with a balance of $45.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 343 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $98.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $26.5M for 1-4 family and $77.3M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $123M | 6.35% | +61.8% | | Construction and land development | $32.6M | 1.69% | +195.1% | | Owner-occupied CRE | $112M | 5.8% | +4.3% | | Non-owner-occupied CRE | $443M | 22.89% | +20.6% | | Farmland | $832K | 0.04% | not reported | | Commercial and industrial | $91.0M | 4.7% | +42.3% | Includes loans from acquiring Athol Savings Bank in the window, so growth reflects the acquisition as well as new lending. ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 19 | $19.8M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 8 | $6.28M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 83 | $21.5M | CFPB HMDA | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 10 | $2.20M | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 13 | $6.42M | SBA FOIA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | May 2026 | Massachusetts | SBA 7(a), Finance and Insurance | $100K | 8.75% | 60 | SBA FOIA | | Apr 2026 | Massachusetts | SBA 7(a), Home Health Care Services | $150K | 9.25% | 60 | SBA FOIA | | Mar 2026 | Massachusetts | SBA 7(a), Wholesale Trade | $1.00M | 7% | 12 | SBA FOIA | | 2025 | Southeastern Connecticut Planning Region, CT | purchase, 50-99 units | $5.60M | not reported | not reported | CFPB HMDA | | 2025 | Southeastern Connecticut Planning Region, CT | purchase, 50-99 units | $5.60M | not reported | not reported | CFPB HMDA | | 2025 | Hampden County, MA | purchase, 5-24 units | $2.10M | not reported | not reported | CFPB HMDA | | 2025 | Worcester County, MA | purchase, 5-24 units | $1.10M | not reported | not reported | CFPB HMDA | | 2025 | Worcester County, MA | purchase, 5-24 units | $880K | not reported | not reported | CFPB HMDA | | 2025 | Worcester County, MA | purchase, 5-24 units | $840K | not reported | not reported | CFPB HMDA | | 2025 | Worcester County, MA | purchase, 5-24 units | $820K | not reported | not reported | CFPB HMDA | ## Where it lends 17 offices in 1 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $34.5M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 75.13% | Total loans divided by total assets | | Loans to deposits | 99.84% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.cornerstonebank.com (from the regulator record or the lender's own site) - Phone: (800) 939-9103 - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/90282 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/cornerstone-bank-ma/ License: https://lender.report/license/