Cornerstone (Legacy) / CNR Specialty (CNR)

Cornerstone Community Bancorp (CNR) is the bank holding company for Cornerstone Community Bank, a locally owned and operated commercial bank headquartered in Red Bluff, California. Led by President and CEO Matt Moseley, Cornerstone’s strategic mission is to "provide an uncommon relationship experience by investing heavily in people and technology to serve small and mid-size businesses." The company holds a respected industry position as a community-focused lender in Northern California, specifically serving the Red Bluff, Redding, and Anderson markets. The company’s vision is to be the "Bank of Choice" for professional service firms and real estate investors who are underserved by large institutional banks. In mid-2025, CNR stock became a focal point for regional bank investors following the announcement of its pending acquisition by Plumas Bancorp, reflecting the company’s high-quality asset base and attractive deposit franchise.

The business operations of Cornerstone Community Bancorp are centered on commercial lending and personalized wealth management. In the first quarter of 2025, the bank reported total loans of $491.5 million and total deposits of $571.9 million. A primary growth driver has been its "Relationship Lending" model, which allows it to maintain a high tax-equivalent net interest margin (NIM) of 3.27%, outperforming many larger peers. The 2026 strategic roadmap, integrated with its new parent company, focuses on "Service Area Expansion" into adjacent counties while maintaining its strict credit quality standards. Cornerstone holds a "Trust Moat" in its local community, where long-standing relationships with business owners provide a stable, low-cost deposit base. With nonperforming assets making up less than 0.1% of its total portfolio, the bank’s disciplined risk management is a core competitive advantage that has protected the CNR stock price during periods of economic uncertainty.

Trading on the OTC Pink Open Market (often tracked as CNR), Cornerstone Community Bancorp (CNR) represents a classic community bank growth story. For investors researching CNR stock, the company’s book value per share of $29.15 and its "Well Capitalized" regulatory status are key highlights. The CNR stock price has historically been a reflection of the economic health of Northern California’s commercial sector. As the bank moves toward its merger, the CNR stock offers a case study in how specialized local expertise and a focus on small-business clients can create significant shareholder value in a consolidating banking industry.