Cornerstone Community Bank
Cornerstone Community Bank was a privately held community bank in Red Bluff, California, offering deposit, lending, and digital banking services to consumers, small businesses, agricultural borrowers, and commercial real estate clients across Northern California and Northern Nevada, acquired by Plumas Bancorp on July 1, 2025.
- Company typePrivate
- Founded2015
- HeadquartersRed Bluff, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Cornerstone Community Bank does
Cornerstone Community Bank was a privately held, community-oriented commercial bank headquartered in Red Bluff, California, serving retail and small-business customers across Northern California. The bank offered a full suite of deposit products (checking, savings, CDs, tax-advantage accounts) and lending products spanning SBA 7(a) and 504 loans, agricultural lending, commercial and owner-occupied real estate loans, medical practice financing, equipment financing, and personal loans and credit cards. Its go-to-market emphasized local relationship banking, locally made loan decisions, and specialized verticals — particularly ag lending — supported by an SBA Preferred Lender designation.
Distribution combined 19 physical branch offices across Northeastern California and Northern Nevada with online and mobile banking on iOS and Android, a Business Express loan-application portal, ClickSWITCH account-migration tooling, card controls, and Positive Pay check-fraud protection. The bank monetized through net interest income on its loan and securities portfolio and fee-based services including merchant processing and treasury-related add-ons; specific pricing was not publicly disclosed.
Cornerstone Community Bancorp, the bank holding entity, was acquired by Plumas Bancorp on July 1, 2025, in a transaction that added approximately $658 million in assets, $478 million in gross loans, and $580 million in deposits to Plumas Bancorp's balance sheet. Following the acquisition, Cornerstone was integrated into Plumas Bank's operations and is no longer an independent operating entity.
Cornerstone Community Bank firmographics
Firmographics- Name
- Cornerstone Community Bank
- Legal name
- Cornerstone Community Bancorp
- Website
- https://bankcornerstone.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Short description
- Cornerstone Community Bank was a privately held community bank in Red Bluff, California, offering deposit, lending, and digital banking services to consumers, small businesses, agricultural borrowers, and commercial real estate clients across Northern California and Northern Nevada, acquired by Plumas Bancorp on July 1, 2025.
- Ownership category
- akta.pro rank
Cornerstone Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Cornerstone Community Bank is headquartered
LocationHeadquarters
- HQ city
- Red Bluff
- HQ country
- United States
- HQ region
- North America
Markets served
Cornerstone Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Distribution channels5 records
Marketing channels5 records
Cornerstone Community Bank product offering
Product offeringCore offering
Cornerstone Community Bank is a community-oriented bank providing business and personal banking products including checking, savings, certificates of deposit, lines of credit, and credit cards. The bank also delivers specialized lending programs such as SBA 7(a) and 504 loans, agricultural lending, commercial real estate loans, medical practice financing, and equipment financing, supported by online and mobile banking channels across Northeastern California and Northern Nevada.
Product overview
Cornerstone Community Bank, following its acquisition by Plumas Bancorp (completed July 1, 2025), operates as part of Plumas Bank with 19 branch offices in Northeastern California and Northern Nevada. The bank offers a comprehensive suite of banking products including business banking services (checking, savings, lines of credit, card services), personal banking (checking, savings, loans, credit cards), and specialized lending (small business loans including SBA programs, agricultural lending, commercial real estate loans, medical practice financing, and equipment financing). The digital banking platform includes online and mobile banking, complemented by fraud protection tools such as Positive Pay for check fraud prevention and Card Controls for debit card management. Additional services include merchant processing, ClickSWITCH for account switching, and FDIC-insured deposit products.
Differentiator
Problem solved
Functional benefit
Companies that use Cornerstone Community Bank
Customer profileSegments6 records
Ideal customer profiles5 records
Cornerstone Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cornerstone Community Bank partnerships and signals
Strategic signalScale indicators4 records
Recent moves3 records
Expansion highlights4 records
Cornerstone Community Bank competitors and assessment
Company assessmentDirect peers
- Golden Valley Bank: Golden Valley Bank is a Chico-headquartered community bank serving the North Sacramento Valley with consumer, business, and ag banking. Direct geographic overlap with Cornerstone's Red Bluff, Chico, and Redding markets and a similar community-bank value proposition.
- Mechanics Bank: Mechanics Bank is a California-focused commercial bank with full business and personal banking, SBA lending, and CRE capabilities serving Northern and Southern California. Comparable community/commercial banking model with overlap in SBA and small business lending.
- Tri Counties Bank: Tri Counties Bank is a Northern California community bank offering consumer, small business, ag, and commercial banking across similar Northern California geographies including the Sacramento Valley. Direct overlap in product mix and regional customer segments makes it a head-to-head comparable.
- Five Star Bank: Five Star Bank is a community-focused commercial bank serving Northern California, including Chico, Redding, and Yuba City — directly overlapping Cornerstone's North Sacramento Valley footprint. Highly comparable business banking, consumer, ag, and small business lending focus.
- River City Bank: River City Bank is a Northern California community business bank headquartered in Sacramento that emphasizes business banking, commercial real estate, and SBA lending. Comparable commercial-banking-led model serving the same Sacramento Valley and Northern California geographies.
- Plumas Bancorp: Plumas Bancorp is the parent company of Plumas Bank and acquired Cornerstone Community Bancorp on July 1, 2025. As the acquirer and successor entity operating the combined franchise across Northern California and Northern Nevada, it is the most directly comparable peer for products, footprint, and customer base.
Broad incumbents
- U.S. Bancorp: U.S. Bancorp is a top-5 U.S. national bank with deep presence across California and Nevada offering consumer, small business, ag, and CRE banking. As a broad incumbent operating in the same geographies with overlapping products, it represents the scale competitor against whom Cornerstone/Plumas must differentiate on local relationships.
- Bank of America: Bank of America is a national bank with extensive Northern California and Nevada retail and small business banking presence. Sets the competitive baseline on digital capabilities and pricing against which community banks like Cornerstone measure relationship-banking differentiation.
- Zions Bancorporation: Zions Bancorporation operates California Bank & Trust and other regional brands with strong SBA preferred lender programs, small business, and ag banking in California. Comparable for SBA lending economics, multi-state community banking, and preferred-lender competitive positioning.
Emerging players
- American AgCredit: American AgCredit is a Farm Credit System lender specializing exclusively in agricultural lending across California and the Western U.S. Provides a specialized peer reference for Cornerstone's ag lending vertical and competitive dynamics within Northern California farm and ranch financing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Cornerstone Community Bank social profiles
Digital presenceCornerstone Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cornerstone Community Bank leadership team
Management profileNumber of profiles
Cornerstone Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cornerstone Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cornerstone Community Bank
What does Cornerstone Community Bank do?
Cornerstone Community Bank is a community-oriented bank providing business and personal banking products including checking, savings, certificates of deposit, lines of credit, and credit cards. The bank also delivers specialized lending programs such as SBA 7(a) and 504 loans, agricultural lending, commercial real estate loans, medical practice financing, and equipment financing, supported by online and mobile banking channels across Northeastern California and Northern Nevada.
Is Cornerstone Community Bank a public or private company?
Cornerstone Community Bank is a private company. It is classified as corporate owned and is currently acquired.
When was Cornerstone Community Bank founded?
Cornerstone Community Bank was founded in 2015. It employs 251 to 500 people.
Where is Cornerstone Community Bank based?
Cornerstone Community Bank is headquartered in Red Bluff, United States, in the North America region.
Who are Cornerstone Community Bank's main competitors?
Direct peers on record are Golden Valley Bank, Mechanics Bank, Tri Counties Bank, Five Star Bank, River City Bank and Plumas Bancorp. Broad incumbents are U.S. Bancorp, Bank of America and Zions Bancorporation. American AgCredit is listed as an emerging player.
Does Cornerstone Community Bank have an API?
No public API is recorded for Cornerstone Community Bank.
What industry is Cornerstone Community Bank in?
Cornerstone Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 522110 and its SIC code is 6022.