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Cornerstone Community Bank (CRSB) investor relations material
Cornerstone Community Bank Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q1 2025 was $1,273,000, down from $1,394,000 in Q1 2024.
Diluted EPS was $0.82, compared to $0.91 for the same period last year.
Announced pending acquisition by Plumas Bancorp, expected to strengthen the institution.
Financial highlights
Net interest income rose to $5,019,000 from $4,884,000 year-over-year.
Non-interest income increased to $369,000 from $356,000 year-over-year.
Non-interest expense was $3,533,000, up from $3,202,000, with $193,000 due to merger costs.
Total loans at March 31, 2025 were $491.5 million, up from $488.2 million a year ago.
Total deposits declined to $571.9 million from $590.0 million year-over-year.
Outlook and guidance
Management expects continued, consistent earnings and improved net interest margin.
The merger with Plumas Bancorp is anticipated to benefit customers, shareholders, and employees.
- Full-year net loss driven by loan charge-off; merger with Plumas Bancorp announced.CRSB
Q4 202418 Feb 2026 - Q3 2024 net loss driven by $9.4M agricultural loan charge-offs; core earnings remain positive.CRSB
Q3 202428 Oct 2025 - Q2 2024 net income and EPS declined, but loan and deposit growth remained solid.CRSB
Q2 202428 Oct 2025
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