Listed locations
19
Institution profile
Cornerstone Bank (Spencer, MA)
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Cornerstone Bank
- Display name
- Cornerstone Bank (Spencer, MA)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- July 8, 1985
- Established date
- April 5, 1871
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Spencer, MA, 01562, United States
- FDIC certificate number
- 90282
- Federal Reserve RSSD ID
- 447100
- Domestic location count
- 17
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 90282
- Federal Reserve RSSD ID
- 447100
- LEI
- 5493005DJAOTPGS83Z81
- Headquarters
- 176 Main Street, Spencer, MA, 01562, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 19 of 19 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ASHBURNHAM BRANCH | 52 Main Street | Ashburnham | MA | 01430 |
| ATHOL SAVINGS BANK | 444 Main Street | Athol | MA | 01331 |
| MAIN STREET BRANCH | 388 Main Street | Athol | MA | 01331 |
| UPTOWN BRANCH | 1499 Main Street | Athol | MA | 01331 |
| BALDWINVILLE BRANCH | 50 Elm ST | Baldwinville | MA | 01436 |
| SUMMER STREET BRANCH | 560 Summer Street | Barre | MA | 01005 |
| CHARLTON BRANCH | 2 Center Depot Road | Charlton | MA | 01507 |
| TIMPANY BOULEVARD BRANCH | 196 Timpany Boulevard | Gardner | MA | 01440 |
| HOLDEN BRANCH | 1073 Main Street | Holden | MA | 01520 |
| LEICESTER BRANCH | 121 South Main Street | Leicester | MA | 01524 |
| RUTLAND BRANCH | 93 Main Street | Rutland | MA | 01543 |
| SHREWSBURY BRANCH | 195 Main Street | Shrewsbury | MA | 01545 |
| SOUTHBRIDGE BRANCH | 253 Main ST | Southbridge | MA | 01550 |
| STURBRIDGE BRANCH | 200 Charlton Road | Sturbridge | MA | 01566 |
| WEBSTER BRANCH | 86 Worcester Road | Webster | MA | 01570 |
| WINCHENDON MAIN BRANCH | 112 Central ST | Winchendon | MA | 01475 |
| TATNUCK SQUARE BRANCH | 1125 Pleasant Street | Worcester | MA | 01602 |
| WORCESTER BRANCH | 70 West Boylston Street | Worcester | MA | 01606 |
| WORCESTER BRANCH | 230 Park Avenue | Worcester | MA | 01609 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- March 4, 2024
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| March 4, 2024 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| November 1, 2021 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| October 15, 2018 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| October 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2011 | Satisfactory | FDIC | Intermediate Small Bank |
| November 5, 2008 | Satisfactory | FDIC | Intermediate Small Bank |
| August 1, 2005 | Outstanding | FDIC | Small Bank |
| November 1, 1999 | Outstanding | FDIC | Small Bank |
| October 1, 1996 | Satisfactory | FDIC | Small Bank |
| June 1, 1994 | Satisfactory | FDIC | Not Reported |
| December 1, 1990 | Satisfactory | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| January 1, 2026 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 10, 2017 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 31, 1978 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | SPENSABANK, INC. | Domestic Entity Other | Worcester, MA |
| Direct relationship | SSB SECURITIES CORP | Domestic Entity Other | Southbridge, MA |
| ROOT_INSTITUTION | CORNERSTONE BANK | State Member Bank | Spencer, MA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank