Cornerstone Bank
Cornerstone Bank is a community-based financial institution serving Worcester County, Massachusetts, established in 2017 through the merger of SpencerBANK and Southbridge Savings Bank. The bank provides deposit and loan products for individuals, businesses, and organizations, emphasizing relationship-based banking with a commitment to trust and community investment. Operating 12 branch locations throughout Central Massachusetts, Cornerstone Bank is FDIC-insured and dedicated to helping people and businesses thrive.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (3 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Cornerstone Bank ranks #330 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Cornerstone Bank’s 7(a) acquisition lending falls in the $0-$500K range: 3 loans, 100.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 3 | 100.0% |
Industries with highest loan volume
Full-Service Restaurants
1
loans
$150K
avg. amount
Child Care Services
1
loans
$248K
avg. amount
Pet Care (except Veterinary) Services
1
loans
$51K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
3 of the 3 loans in its trailing three-year book carried a fixed rate; the rest were variable.
Rate distribution data not available
Market comparison data not available
over at time of loan origination
Cornerstone Bank has originated 7(a) acquisition loans in 2 states, most actively in Massachusetts (2) and Florida (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Massachusetts | 2 | 66.7% |
| Florida | 1 | 33.3% |
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