Core Insights - Cornerstone Bancorp, Inc. reported a consolidated net income of $2.8 million for the second quarter of 2025, reflecting a 38.3% increase from $2.0 million in the same quarter of 2024, with earnings per diluted share rising to $2.81 from $2.05 [8][9] - The net interest margin improved to 3.65% in 2Q25, up from 3.27% in 2Q24, indicating enhanced profitability from interest-earning assets [8][9] - Total consolidated assets increased by 1.4% to $1.0 billion as of June 30, 2025, compared to $986.0 million a year earlier [8][9] Income Statement Highlights - Net interest income rose by 12.2% to $8.883 million in 2Q25 from $7.918 million in 2Q24 [9] - Noninterest income increased by 10.9% to $1.425 million in 2Q25 compared to $1.285 million in 2Q24 [9] - Noninterest expense was $6.5 million in 2Q25, slightly up from $6.4 million in 2Q24 [8][9] Balance Sheet Highlights - The loan portfolio grew by 7.2% to $686.1 million as of June 30, 2025, compared to $640.2 million a year earlier [8][9] - Total deposits increased by 0.7% to $891.6 million from $885.6 million a year earlier [8][9] - Tangible shareholders' equity improved by 14.0% to $84.5 million compared to $74.1 million a year earlier [8][9] Trust and Wealth Management - Trust and wealth management assets reached $1.06 billion on June 30, 2025, up from $975.9 million a year earlier, marking an 8.8% increase [3][9] Company Overview - Cornerstone Bancorp, Inc. was founded in 2000 and focuses on serving the commercial banking and investment needs of families and family-owned businesses, emphasizing relationship-based banking [4][5] - The company is headquartered in Palatine, Illinois, and operates multiple offices in the Chicago area [6]