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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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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.Q1 2025 earnings summary21 Apr, 2025
Executive summary
Net income for Q1 2025 was $7.2 million, up from $6.3 million in Q1 2024, driven by higher net interest and non-interest income, and a lower provision for credit losses.
Annualized return on average assets rose to 1.79% from 1.55% year-over-year; return on average equity slightly decreased to 16.0% from 16.4%.
Non-interest income benefited from a $1.1 million legal settlement related to the Dixie Fire.
Non-interest expense increased, including $569,000 in merger-related costs for the pending acquisition of Cornerstone Community Bancorp.
Announced pending acquisition by Plumas Bancorp, expected to strengthen the institution.
Financial highlights
Net interest income before provision for credit losses increased by $1.1 million to $18.5 million year-over-year.
Provision for credit losses decreased to $250,000 from $821,000.
Non-interest income rose to $3.2 million, up $1.1 million from the prior year, mainly due to the legal settlement.
Non-interest expense increased by $1.1 million to $11.5 million, with higher salaries, rent, and merger costs.
Total assets reached $1.63 billion, up $10 million from year-end 2024.
Outlook and guidance
Management expects continued focus on commercial lending and prudent risk management.
The company is proceeding with the acquisition of Cornerstone Community Bancorp, expected to enhance scale and market presence.
The merger with Plumas Bancorp is anticipated to benefit customers, shareholders, and employees.
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Eferix Drawings Google Play
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Frequently asked questions
Cornerstone Community Bank is a regional bank offering a range of financial services to individuals, businesses, and organizations. The bank provides personal and business banking products, including checking and savings accounts, consumer and commercial loans, and lines of credit. Cornerstone Community Bank also offers digital banking solutions. The company is headquartered in Red Bluff, California, and its shares are listed on the OTCQX.
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