Cornerstone Capital Bank

What Cornerstone Capital Bank does

Cornerstone Capital Bank, SSB is a Texas-chartered savings bank formed in October 2022 through the merger of Cornerstone Home Lending (founded 1988) and The Roscoe Bank (founded 1906), making it one of the highest capitalized de novo banks in U.S. history with more than $350 million in regulatory capital as of Q1 2026 and $3.8 billion in total assets following the March 2026 acquisition of Peoples Bancorp. The bank operates a unified financial services platform combining community and commercial banking with a national residential mortgage franchise, serving nearly 700,000 customers across 17 full-service Texas banking locations and more than 150 mortgage offices in 45 states plus Washington DC. Its business spans personal and business deposit products (checking, savings, money market, CDs), residential mortgage origination and in-house servicing through Cornerstone Servicing (120,000+ loans), institutional banking for 60+ community banks/credit unions, title services, homeowners insurance through Cornerstone Insurance, and joint venture mortgage partnerships with homebuilders across Texas, Alabama, Idaho, and North Carolina.

The technology foundation centers on the proprietary LoanFly mortgage processing platform, supported by approximately 500 core loan products with nearly 5,000 variations, an evergreen bank portfolio lending fund, and API integrations with title software; consumer-facing channels include iOS/Android mobile banking apps, online banking portals, and fee-free access to 55,000+ ATMs via the Allpoint network. Revenue is generated primarily through net interest income from the community banking balance sheet (deposits up 48.7% since Q4 2022), transaction fees on residential mortgage originations, recurring servicing fees on the in-house MSR portfolio (Fitch-rated RPS3+), recurring institutional banking and treasury management fees, and bundled insurance and title revenue. The go-to-market is hybrid: relationship-driven community banking in Texas paired with a national, distributed mortgage loan officer sales force operating both directly and through homebuilder captive JVs. The company became substantially employee-owned in April 2026 via the launch of its first ESOP.

Name

Cornerstone Capital Bank

Legal name

Cornerstone Capital Bank, SSB

Website

https://cornerstonecapital.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Cornerstone Capital Bank is a Texas-chartered, employee-owned bank combining community banking with a national residential mortgage franchise, serving nearly 700,000 customers across 17 Texas branches, 150+ mortgage offices in 45 states plus DC, and joint venture partnerships with homebuilders.

Ownership category

akta.pro rank

Product category

Community and Commercial Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

Keywords

• Commercial banking
• Residential mortgage lending
• Mortgage servicing
• Community banking
• Institutional banking

Headquarters

HQ city

Minneapolis

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest earned on loans and investments minus interest paid on deposits. Primary revenue stream from community banking operations with deposits growing 48.7% since Q4 2022.
2. Mortgage Loan Origination: Fees earned from originating residential mortgage loans across 45 states plus DC through retail mortgage operations and joint venture partnerships with home builders.
3. Mortgage Servicing: Fees earned from servicing mortgage loans in-house, with more than 120,000 clients currently in Cornerstone Servicing's care. Fitch upgraded servicer ratings to RPS3+.
4. Institutional Banking Services: Deposit services, loan syndications, and correspondent banking services for community banks, credit unions, trust companies, and investment firms. Over $300 million in institutional deposits.
5. Homeowners Insurance: Home insurance products offered through Cornerstone Insurance platform, integrated with mortgage lending for bundled customer experience.
6. Title Services: Treasury and title services for title companies including escrow accounts, wire services, and API integrations for seamless closings.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Cornerstone Capital Bank is a Texas-chartered savings bank that delivers community and business banking services through 17 Texas branches alongside a national residential mortgage lending, servicing, and home insurance platform. Its consumer products include personal checking, savings, money market, and certificate of deposit accounts, while its commercial offerings span business and corporate banking, treasury and liquidity management, institutional/correspondent banking, and title services for title companies.

Product overview

Cornerstone Capital Bank operates as a unified financial services platform combining community and business banking with a premier national home lending and mortgage loan servicing division. The company's product portfolio consists of multiple sub-brands and divisions: Cornerstone Home Lending (residential mortgage originations in 45+ states), Cornerstone Servicing (in-house loan servicing), Cornerstone Insurance (homeowners insurance), Roscoe Bank (legacy community bank division), Peoples Bank (acquired community bank with 13 West Texas/Dallas-Fort Worth locations), and multiple joint venture mortgage companies (Ironcrest Mortgage in Alabama, Table Rock Mortgage in Idaho, Twin Tree Mortgage, Liberty Ridge Lending). Core banking products include personal checking, savings, money market accounts, and certificates of deposit. The platform also includes institutional banking services (retail mortgage fulfillment, correspondent lending, portfolio products), treasury and liquidity management, and title services. The company serves nearly 700,000 customers through 17 full-service banking locations in Texas and more than 150 mortgage offices nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Ironcrest Mortgage: Joint venture mortgage partnership between Cornerstone Capital Bank and Stone Martin Builders, operating across Alabama. Offers conventional, FHA, VA, and jumbo loans for homebuyers.
• Table Rock Mortgage

Products and services

• Cornerstone Home Lending Nationally recognized residential mortgage lending division of Cornerstone that has helped nearly 500,000 families with home financing needs, originating loans in 45 states plus Washington DC through the LoanFly mortgage process. Targets individual homebuyers and refinancers through retail loan officers and joint venture partnerships with home builders.
• Cornerstone Servicing

Quantifiable outcome

• Loan officers funded nearly twice the number of home loans per month compared to average loan officer at next closest competitor
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Stone Martin BuilderscoreStrategic or Co-development Partner · 11 November 2025Cornerstone Capital Bank and Stone Martin Builders launched Ironcrest Mortgage as a joint venture in Alabama. The partnership merges Cornerstone's mortgage lending expertise with Stone Martin Builders' home building legacy, offering comprehensive loan programs including conventional, FHA, VA, and jumbo loans for Alabama homebuyers.
• Tresidio HomescoreStrategic or Co-development Partner · 3 July 2025Cornerstone Capital Bank partnered with Tresidio Homes, a premier Treasure Valley home builder, to launch Table Rock Mortgage in Idaho. The joint venture provides comprehensive mortgage services to local homebuyers in Treasure Valley, combining Cornerstone's home lending excellence with Tresidio's five-star-rated home building reputation.
• Shinn Builder PartnershipsminorGTM or Marketing Partner · 7 April 2025Cornerstone Capital Bank was named 2024 Service Provider Partner of the Year by Shinn Builder Partnerships, a networking organization providing support to home builders. Cornerstone maintains more than 100 builder relationships nationwide through this partnership network.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• loanDepot: National retail mortgage lender and servicer with comparable origination scale and an in-house servicing platform. loanDepot competes directly with Cornerstone Home Lending for retail mortgage share and operates a similar vertically integrated origination-to-servicing model.
• Rocket Mortgage: Largest U.S. retail mortgage lender with a national origination footprint and strong brand recognition. Rocket is the scale benchmark Cornerstone measures against in loan officer productivity, and both companies compete for the same retail mortgage customer across 45+ states.
• Guild Mortgage: Mid-to-large independent retail mortgage lender with a national origination platform, in-house servicing, and builder partnership relationships. Guild competes head-to-head with Cornerstone Home Lending in retail and builder-channel mortgage origination.
• Flagstar Bank: Mid-size regional bank with a sizable national mortgage origination and servicing franchise. Flagstar is a direct comparable in combining a community/commercial banking platform with a large mortgage business serving correspondent and retail channels.
• NewRez (formerly New Penn Financial): National mortgage lender and servicer operating retail, wholesale, and correspondent channels with a large servicing portfolio. NewRez competes with Cornerstone across retail origination and correspondent mortgage lending to community banks.

Emerging players

• United Wholesale Mortgage: Largest U.S. mortgage lender focused primarily on the wholesale broker channel with growing retail and JV builder partnerships. UWM's expansion into builder direct JVs and retail competition overlaps with Cornerstone's JV-driven growth strategy.

Regional players

• PlainsCapital Bank: Texas-based commercial bank with national mortgage lending through PrimeLending. PlainsCapital shares Cornerstone's Texas community banking footprint and offers a directly comparable bank-plus-mortgage franchise structure.
• Independent Bank Group: Texas-headquartered community bank holding company with comparable asset size and a similar acquisition-driven growth strategy. IBTX is a directly comparable Texas-focused community banking peer for valuation and strategic benchmarking.
• Veritex Holdings: Dallas-based Texas community bank with comparable asset size and a focus on Dallas-Fort Worth and other Texas metros. Veritex is a directly relevant peer for Cornerstone's community banking footprint and Texas regional banking competition.

Broad incumbents

• Cadence Bank: Mid-size regional bank that grew rapidly via acquisitions (including State Bank and BancorpSouth). Cadence Bank is a comparable size and growth-stage peer for Cornerstone's M&A-driven community banking expansion, and is the prior employer of Cornerstone CFO Paul Woo.

Market position

Strengths5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cornerstone-capital-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments20 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cornerstone Capital Bank