Cornerstone Bank

Headquarters: York, Nebraska
Charter: Bank
Assets: $2.7B
Fed district: Kansas City
Regulator: Federal Reserve
Holding company: First York Ban Corp.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 27, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 27, 2026

How these figures are measured

Call-report figures are for Cornerstone Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Cornerstone Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 27, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Cornerstone Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $497K in Q2 2026, 2.3% above the same quarter a year earlier ($486K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Online Account Opening $6 to $10
Compared at $8, the middle of its prices
Cornerstone Bank: $6 to $10
Cornerstone Bank: $6 to $10
U.S. median: no median
Overdraft (OD)
Cornerstone Bank: $35
Cornerstone Bank: $35
U.S. median: no median
NSF / Returned Item
Cornerstone Bank: $33
Cornerstone Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.8% from Q3 2025 to Q2 2026, to $497K.

Service-charge income, Q2 2026

$497K

$533KQ3 2025

$488KQ4 2025

$480KQ1 2026

$497KQ2 2026

Against the median

Cornerstone BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Cornerstone Bank · $2.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$2.6B to $2.9B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Cornerstone Bank(this institution)	York, NE	$2.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ANB Bank	Denver, CO	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Avidia Bank	Hudson, MA	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank Independent	Sheffield, AL	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
BayCoast Bank	Swansea, MA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Emprise Bank	Wichita, KS	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Extraco Banks, National Association	Temple, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FCB Banks	Collinsville, IL	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fidelity Bank & Trust	Dubuque, IA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank	Paragould, AR	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Home Federal Bank of Tennessee	Knoxville, TN	$2.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
INB, National Association	Springfield, IL	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ion Bank	Naugatuck, CT	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
KS StateBank	Manhattan, KS	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Machias Savings Bank	Machias, ME	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants Bank, National Association	Winona, MN	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Meridian Bank	Wayne, PA	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Shore Bank	Brookfield, WI	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Community Bank	Oregon, WI	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Open Bank	Los Angeles, CA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Quad City Bank and Trust Company	Bettendorf, IA	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
State Bank of Southern Utah	Cedar City, UT	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sunrise Banks, National Association	Sioux Falls, SD	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo Bank South Central, National Association	Houston, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Westfield Bank	Westfield, MA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $8, the middle of its two prices, against a peer median of $8 among 13 publishing peers.

Its two checking prices are $6 and $10.

$8 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Cornerstone Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Cornerstone Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $497K
vs prior quarter: +$17K+3.5%; from Q1 2026
vs a year earlier: +$11K+2.3%; from Q2 2025
vs start of range: −$47K−8.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Cornerstone Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$497K	+$17K	+3.5%
Q1 2026	$480K	−$8K	−1.6%
Q4 2025	$488K	−$45K	−8.4%
Q3 2025	$533K	+$47K	+9.7%
Q2 2025	$486K	−$7K	−1.4%
Q1 2025	$493K	−$31K	−5.9%
Q4 2024	$524K	−$20K	−3.7%
Q3 2024	$544K	+$44K	+8.8%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Cornerstone Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Monthly fee$6
per month
Dormant account fee - assessed each month$15
per month
Statement reconcilement fee (first time free)$2.50
per item
Paper Statement Fee$3
Returned Mail Fee$7.50

Overdraft & NSF

Overdraft Fee Item Paid$35
Weekly Overdraft Fee$35
Bill Payment Non-Sufficient Funds Fee$33

ATM & Card

Foreign ATM balance inquiries$3
per item
Foreign ATM withdrawals$3
per item
Reissue lost or damaged ATM or Visa Check Card$10
Rushed Debit Card$35

Wire Transfers

Wire transfer – outgoing$20
Wire transfer – incoming$15
Wire transfer -international$50

Check Services

Cashier's Checks$8
Money Orders$5
Stop payments$35
per item
Collection Fees - incoming or outgoing$35
Cancelled Check Copy Fee$2.50
per item
Check copies$2.50

Digital & Electronic

Bill Payment Recall Fee$33
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Coin counting$0.10
Night Depository$20
Not compared: Annual charge, not per item
per year

Account Services

Garnishment$50

Other Fees

Record reproduction$30
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Monthly fee	$6	per month	None
Dormant account fee - assessed each month	$15	per month	None
Statement reconcilement fee (first time free)	$2.50	per item	None
Paper Statement Fee	$3	Not stated	None
Returned Mail Fee	$7.50	Not stated	None
Overdraft & NSF
Overdraft Fee Item Paid	$35	Not stated	None
Weekly Overdraft Fee	$35	Not stated	None
Bill Payment Non-Sufficient Funds Fee	$33	Not stated	None
ATM & Card
Foreign ATM balance inquiries	$3	per item	None
Foreign ATM withdrawals	$3	per item	None
Reissue lost or damaged ATM or Visa Check Card	$10	Not stated	None
Rushed Debit Card	$35	Not stated	None
Wire Transfers
Wire transfer – outgoing	$20	Not stated	None
Wire transfer – incoming	$15	Not stated	None
Wire transfer -international	$50	Not stated	None
Check Services
Cashier's Checks	$8	Not stated	None
Money Orders	$5	Not stated	None
Stop payments	$35	per item	None
Collection Fees - incoming or outgoing	$35	Not stated	None
Cancelled Check Copy Fee	$2.50	per item	None
Check copies	$2.50	Not stated	None
Digital & Electronic
Bill Payment Recall Fee	$33Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Coin counting	$0.10	Not stated	None
Night Depository	$20Not compared: Annual charge, not per item	per year	None
Account Services
Garnishment	$50	Not stated	None
Other Fees
Record reproduction	$30Not compared: Charged per hour; comparison unavailable	per hour	None

Correct a fee source

Oct 27, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Cornerstone Bank's early account closure changes in our data

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