Cornerstone Community Bancorp (CRSB) Research

Cornerstone Community Bancorp functions as the parent entity for Cornerstone Community Bank, which delivers a comprehensive array of banking and credit solutions. Its operations primarily serve individuals and businesses across Tehama, Shasta, Butte, and Glenn counties, extending to nearby regions within California. For individual clients, the bank provides a diverse array of personal financial products. These encompass various checking and savings options, including standard and premium savings, money market accounts, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). Additionally, it issues debit and personal credit cards and offers a broad spectrum of personal lending solutions, such as secured and unsecured term loans, loans collateralized by savings or CDs, lines of credit, auto financing, home equity lines of credit, and residential construction loans. The institution extends equally robust offerings to its business clientele. This includes specialized checking, savings, money market, and CD accounts tailored for businesses. They also provide business debit and credit cards. Their extensive commercial loan portfolio features options for general business needs, equipment financing, commercial real estate, commercial construction, Small Business Administration (SBA) loans, lines of credit, and letters of credit. Complementing these are essential business services such as online banking, automated sweep accounts, positive pay fraud prevention, remote deposit capture, ACH origination, and dedicated messenger and merchant card services. Digital access is a core feature, with services like online banking (including bill payment), mobile banking, electronic statements (e-statements), and mobile payment solutions available to all account holders. Cornerstone Community Bank caters to a diverse customer base, primarily serving small and mid-sized enterprises – including professional service firms, real estate developers and investors, and non-profit organizations – along with their principals and individual customers. Established in 2014, the company maintains its headquarters in Red Bluff, California.

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