Bank · FDIC insured
Cornerstone Bank
A $2.6B bank headquartered in Spencer, MA, with 17 branches in Massachusetts. Best rates: CDs 3.65% and savings 0.50% APY.
Cornerstone Bank Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#30 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cornerstone Bank
Cornerstone Bank was formed in 2017, serving Worcester County with branch locations throughout Central Massachusetts.
- Headquarters
- 176 Main St, Spencer, MA 01562
- FDIC certificate
- 90282 ↗
Branches
17 branches in Massachusetts
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Massachusetts
17 branches
- Cornerstone BankMain office176 Main St, Spencer, MA 01562Directions
- Ashburnham Branch52 Main St, Ashburnham, MA 01430Directions
- Athol Savings Bank Branch388 Main St, Athol, MA 01331Directions
- Barre Branch560 Summer St, Barre, MA 01005Directions
- Charlton Branch2 Center Depot Rd, Charlton, MA 01507Directions
- Gardner Branch196 Timpany Blvd, Gardner, MA 01440Directions
- Holden Branch1073 Main St, Holden, MA 01520Directions
- Leiceister Branch121 S Main St, Leicester, MA 01524Directions
- Rutland Branch93 Main St, Rutland, MA 01543Directions
- Shrewsbury Branch195 Main Street, Shrewsbury, MA 01545Directions
- Southbridge Br253 Main St, Southbridge, MA 01550Directions
- Sturbridge Branch200 Charlton Rd, Sturbridge, MA 01566Directions
- Webster Branch86 Worcester Rd, Webster, MA 01570Directions
- Winchendon Branch112 Central St, Winchendon, MA 01475Directions
- Tatnuck Square Branch1125 Pleasant St, Worcester, MA 01602Directions
- West Boylston Street Branch70 W Boylston St, Worcester, MA 01606Directions
- Worcester Branch230 Park Ave, Worcester, MA 01609Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.22% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.35% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.63% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalLeverage ratio9.22%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.35%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.63%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$100Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cornerstone Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.