Bank · FDIC insured
Cornerstone Capital Bank
Top CarrotA $3.7B bank, the 352nd largest of 4,207, headquartered in Houston, TX, with 16 branches in Texas. Best rates: CDs 4.25% and savings 3.50% APY.
Cornerstone Capital Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#1 of 18 in Lubbock, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cornerstone Capital Bank
Headquartered in Houston, Texas, Cornerstone Capital Bank was formed by combining Cornerstone Home Lending and Roscoe Bank.
The institution provides mortgage lending to families and offers asset and liability support to community banks, credit unions, trust companies, and investment firms nationwide.
- Headquarters
- 1177 West Loop S, Houston, TX 77027
- FDIC certificate
- 1213 ↗
Branches
16 branches in Texas
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Texas
16 branches
Lubbock area · 7
- Lorenzo Branch416 Harrison Avenue, Lorenzo, TX 79343Directions
- 112th And Quaker Branch11011 Quaker Ave, Lubbock, TX 79424Directions
- 34th Street Branch3801 34th St, Lubbock, TX 79410Directions
- Peoples Branch5820 82nd St, Lubbock, TX 79424Directions
- Post Branch615 N Broadway St, Post, TX 79356Directions
- Shallowater Branch7503 Highway 84, Shallowater, TX 79363Directions
- Slaton Banking Center Branch1605 W Division St, Slaton, TX 79364Directions
Sweetwater area · 2
- Roscoe Bank Roscoe Office Branch117 Cypress St, Roscoe, TX 79545Directions
- Roscoe Bank Sweetwater Branch209 Cedar St, Sweetwater, TX 79556Directions
Houston area · 1
- Cornerstone Capital Bank, SSBMain office1177 West Loop S, Houston, TX 77027Directions
Austin area · 1
- Roscoe Bank Bastrop Branch710 Highway 71 W, Bastrop, TX 78602Directions
Nazareth area · 1
- Nazareth Branch101 W Highway 86, Nazareth, TX 79063Directions
Dallas area · 1
- Princeton Branch100 Cole St, Princeton, TX 75407Directions
Seminole area · 1
- Seminole Branch200 N Main St, Seminole, TX 79360Directions
Seymour area · 1
- Seymour Branch201 N Washington St, Seymour, TX 76380Directions
Whitney area · 1
- Whitney Branch307 N Brazos St, Whitney, TX 76692Directions
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 | 10.26% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 3.62% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.11% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $110 | $88 | — |
- CapitalLeverage ratio10.26%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent3.62%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.11%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$110Peers’ 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 Capital Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.