cornerstone community bank tn

- Grady Wayne Fricks has pleaded guilty to conspiracy charges arising out of a scheme to defraud Cornerstone Community Bank in Dalton, Georgia. digital banking how-to's Cornerstone has competitive rates that are hard to beat (just check out our competition and “Community” is our middle name. 61XX - The first four digits is Federal Reserve routing symbol. Any Cornerstone Community Bank Routing Number start with 61 as per bank's Federal Reserve.

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5th December 2021

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Cornerstone Community Bank

Home > Cornerstone Community Bank

Status:Inactive as of 2016-02-27
 Merger - Without Assistance
Successor Bank:SmartBank
Headquarters:Cornerstone Community Bank
835 Georgia Avenue
Chattanooga, TN37401
FDIC Insurance:1985-05-28
FDIC Cert:#26256
Charter Class:Commercial bank, state charter and Fed nonmember, supervised by the FDIC
# of Branches:7
Total Assets:$440,309,000
Total Deposits:$348,767,000


1985-05-28Institution established: Original name:The Bank of East Ridge
1997-10-15Moved bank headquarters from EAST RIDGE, TN to CHATTANOOGA, TN
1997-10-15Changed name to Cornerstone Community Bank
1997-10-15Acquired Cornerstone Community Bank (34134) in CHATTANOOGA, TN
2016-02-27Merged into and subsequently operated as part of SmartBank (58463) in PIGEON FORGE, TN
2017-11-01Acquired Capstone Bank (22769) in TUSCALOOSA, AL
2018-05-01Acquired Southern Community Bank (58105) in TULLAHOMA, TN
2018-11-01Acquired Foothills Bank & Trust (58591) in MARYVILLE, TN
2020-03-01Acquired Progressive Savings Bank (32021) in JAMESTOWN, TN
2021-09-01Acquired Sevier County BankSmartBank (10318) in SEVIERVILLE, TN.

Financial Information (2015-12-31 and Older)

Assets and Liabilities

Cash and Balances Due


U.S. Government Obligations

Total Debt Securities

Net Loans and Leases

1- 4 Family Residential Net Loans and Leases

Loans to Depository Institutions

Total Loans and Leases in Foreign Offices

Maturity & Repricing for Loans and Leases

Small Business Loans

Loans Restructured in Troubled Debt Restructurings

Other Real Estate Owned

Goodwill and Other Intangibles

Total Deposits

Transaction Accounts

Nontransaction Accounts

Time Deposits of Less Than $100,000

Time Deposits of $100,000 or More

Deposits Based on the $100,000 Reporting Threshold

Deposits Based on the $250,000 Reporting Threshold

Deposits Held in Foreign Offices

Changes in Bank Equity Capital

Total Unused Commitments

Letters of Credit

Total Assets and Liabilities in Cornerstone community bank tn Offices


Past Due and Nonaccrual Assets

Past Due 30- 89 Days 1- 4 Family Residential

Past Due 90+ Days 1- 4 Family Residential

Nonaccrual 1- 4 Family Residential

Past Due and Nonaccrual Loans Wholly or Partially US Gvmt Guaranteed

Fiduciary and Related Services

Number of Fiduciary and Related Asset Accounts

Total Fiduciary and Related Assets

Total Managed Assets held in Fiduciary Accounts

Corporate Trust and Agency Accounts

Collective Investment & Common Trust Funds

Gross Fiduciary and Related Services Income

Fiduciary settlements, surcharges, and other losses

Carrying Amount american eagle outfitters credit card account login Assets Covered by FDIC Loss- Share Agreements

Bank Assets Sold and Securitized

Maximum Amount of Credit Exposure Retained

Unused Commitments

Amount of Ownership (Seller) Interests


Income and Expense

Total Interest Income

Total Interest Expense

Trading Account Gains & Fees

Additional Noninterest Income

Additional Noninterest Expense

Loan Charge- Offs and Recoveries

Total Charge- offs 1- 4 Family Residential

Total Recoveries 1- 4 Family Residential

Net Charge- offs 1- 4 Family Residential

Cash Dividends

Interest income and expense in foreign offices

Performance and Condition Ratios

Net charge- offs to loans

Noncurrent loans to loans


Bank ABA Routing Number Finder (USA)

General Information About ABA Routing Number

What is an ABA Routing Number

An ABA (American Bankers Association) routing number, also known as a bank routing number that identifies the perticular financial institution or banks branch in the U.S. ABA routing no is a nine digits numarical number developed by American Bankers Association in 1910. An ABA Routing Number will only be issued to a federal or state chartered financial institution which is eligible to maintain an account at a Federal Reserve Bank.

Decoading an ABA Routing Number

  • The first four digit of the ABA/Routing Number is assigned by the Federal Reserve Routing System and represent cornerstone community bank tn bank's physical location.

  • Next two digit is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.

  • Next digit mean seventh digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.

  • Next digit mean eighth digit of the Cornerstone community bank tn number designates which Federal Reserve district the bank is in.

  • Lastly the nineth digit provides a checksum. The checksum is a complicated mathematical expression using the first eight digits. If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing.

Example: Breakdown of ABA Routing Number Number










Federal Reserve Symbol

Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through

Cheque Processing Center Identifier

Bank District Identifier

Cheque Digit

What ABA Routing Number Used For?

An ABA Routing Number used for various financial transation and wires and electronic automatic clearing house (ACH) transactions such as electronic funds transfer, direct deposit, direct payment of consumer bills, e-checks, and tax payments, among others.

How to Find ABA Routing Numbers?

You can get your account’s ABA number from several sources. Cornerstone community bank tn you have a checkbook handy, the easiest solution is to locate the numbers at the bottom of one of your checks & also you can login into your online banking portal to check the ABA routing number & lastly contact to your bank helpline number or visit bank physical location & ask for the routing number.


List of Federal Reserve District Codes for all Banks in US

Primary (01-12)Thrift (+20)Electronic (+60)Federal Reserve Bank
22262New York
82868St. Louis
103070Kansas City
123272San Francisco

00 is used by the United States Government & 80 is used for traveler's checks.

Chequesum Calculation Method

The cheque digit is the ninth digit of the routing number and must meet the following condition.

3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0
(Mod or modulo is the remainder of a division operation.)

As an example: 011900571 is a routing number of Bank Of America, Virginia. So as per chequesum calculation method -



















3(0 + 9 + 5) + 7(1 + 0 + 7) + (1 + 0 + 1) =100
100 mod 10 = 0


This table is up to date as of 2020. One weakness of the current routing table arrangement is that various territories like American Samoa, Guam, Puerto Rico and the US Virgin Islands share the same routing code.

1New York, NY
2Chicago, IL
3Philadelphia, PA
4St. Louis, MO
5Boston, MA
6Cleveland, OH
7Baltimore, MD
8Pittsburgh, PA
9Detroit, MI
10Buffalo, NY
11San Francisco, CA
12Milwaukee, WI
13Cincinnati, OH
14New Orleans, LA
15Washington D.C.
16Los Angeles, CA
17Minneapolis, MN
18Kansas City, MO
19Seattle, WA
20Indianapolis, IN
21Louisville, KY
22St. Paul, MN
23Denver, CO
24Portland, OR
25Columbus, OH
26Memphis, TN
27Omaha, NE
28Spokane, WA
29Albany, NY
30San Antonio, TX
31Salt Lake City, UT
32Dallas, TX
33Des Moines, Wealthbar high interest savings, WA
35Houston, TX
36St. Joseph, MO
37Fort Worth, TX
38Savannah, GA
39Oklahoma City, OK
40Wichita, KS
41Sioux City, IA
42Pueblo, CO
43Lincoln, NE
44Topeka, KS
45Dubuque, IA
46Galveston, TX
47Cedar Rapids, IA
48Waco, TX
49Muskogee, OK
50New York
54New Hampshire
55New Jersey
57Rhode Island
66North Carolina
67South Carolina
69West Virginia
77North Dakota
78South Dakota
95New Mexico
101American Samoa, Guam, Puerto Rico, Virgin Islands

Cornerstone Community Bank - Gunbarrel Branch

Cornerstone Community Bank - Gunbarrel Branch is a Car Financing & Loans company at Chattanooga,Tennessee,United StatesTel is (423)385-3150,address is 2280 Gunbarrel Road.You can find more Cornerstone Community Bank - Gunbarrel Branch contact info like fax,email,website below.


  • Cornerstone Community Bank - Gunbarrel Branch
  • Main Catgory:Car Financing & Loans
  • Sub Catgory: Banks
  • Country :United States
  • City:Chattanooga
  • State:Tennessee - TN
  • Address:2280 Gunbarrel Road
  • Zipcode:37421
  • Tel:(423)385-3150 - 4233853150


This is Google map of Cornerstone Community Bank - Gunbarrel Branch address:2280 Gunbarrel Road,Chattanooga,Tennessee,United States.
If you find 'Can Not Find' or error address, please submit another address using the form in the map, then search again.

Cornerstone Community Bank, Hixson TN


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Parking near

Public Storage, 5624 Highway 153, Hixson, TN (2.28 miles) Phone (423) 822-2516

Uncle Bob's Self Storage, 4121 Hixson Pike, Chattanooga, TN (3.22 miles) Phone (423) 877-9070

Northgate Parts and RV Center, 687 Boy Scout Rd, Hixson, TN (3.32 miles) Phone (423) 870-1515

Uncle Bob's Self Storage, 4429 Highway 58, Chattanooga, TN (4.04 miles) Phone (423) 855-6865

Public Storage, 4255 Cromwell Rd, Chattanooga, TN (5.35 miles) Phone (423) 933-2453

Train stations near

There are no train stations near to Cornerstone Community Bank, Hixson TN

ATM cash points near

These cash machines are near to Cornerstone Community Bank Bank


  • Bank of America ATM, 5604 Hixson Pike, Hixson, Cornerstone community bank tn - FREE to use and 0.67 miles away

  • Bank of America ATM, 271 Northgate Mall, Chattanooga, TN

    1 - FREE to use and 1.74 miles away

  • Suntrust, 1969 Northpoint Blvd, Hixson, TN

    1 - FREE to use and 1.81 miles away

  • Suntrust, 1051 Ashland Ter, Chattanooga, TN

    2 - FREE to use and 3.46 miles away

  • Regions, 4538 Highway 58, Chattanooga, TN

    1 - FREE to use and 4.05 miles away

Local places

Cornerstone Community Bank is listed as a local bank for the following areas


Chattanooga 37415, Hixson


Near places

More banks close to Hixson TN

  • Comtrust Federal Credit Union - Hixson

    5587 Tennessee 153, Hixson, 37343-3748

    CLOSED - 0.00 miles away

  • First Volunteer Bank - Hixson

    5109 Hixson Pike, Hixson, 37343-3926

    CLOSED - 0.00 miles away

  • Community Trust and Banking Co - Hixson

    4712 Hixson Pike, Hixson, 37343-4806

    CLOSED - 0.00 miles away

  • Northwest Georgia Bank - Hixson

    1959 Northpoint Boulevard, Hixson, 37343-4071

    CLOSED - 1.80 miles away

  • Bank of America - Ocala

    Ocala, 34471

    CLOSED - 2.04 miles away

  • SunTrust Bank (1051 Ashland Terrace) - Chattanooga

    1051 Ashland Terrace, Chattanooga, 37415

    CLOSED - 3.47 miles away

  • Olan Mills - Chattanooga

    4325 Amnicola Highway, Chattanooga, 37406-1014

    CLOSED - 3.50 miles away

  • Tennessee Valley Credit Union - Chattanooga

    4974 Tennessee 58, Chattanooga, 37416-1878

    CLOSED - 3.84 miles away

  • First Volunteer Bank Tennessee - Chattanooga

    4757 Tennessee 58, Chattanooga, 37416-2231

    CLOSED - 3.90 miles away

  • Tradebank Chattanooga - Chattanooga

    3835 Hixson Pike, Chattanooga, 37415-3563

    CLOSED - 3.91 miles away

  • FSG Bank (4535 Tennessee 58) - Chattanooga

    4535 Tennessee 58, Chattanooga, 37416

    CLOSED - 4.01 miles away

  • Frontier Bank - Chattanooga

    4535 Tennessee 58, Chattanooga, 37416-3010

    CLOSED - 4.01 miles away

  • First Tennessee Bank (4430 Tennessee 58) - Chattanooga

    4430 Tennessee 58, Chattanooga, 37416

    CLOSED - 4.08 miles away

  • Chattanooga Coca Cola CU - Chattanooga

    4000 Amnicola Highway, Chattanooga, 37406-1007

    CLOSED - 4.24 miles away

  • SunTrust Bank (4614 Tennessee 58) - Chattanooga

    4614 Tennessee 58, Chattanooga, 37416

    CLOSED - 4.26 miles away

  • First Tennessee Bank (3932 Dayton Boulevard) - Chattanooga

    3932 Dayton Boulevard, Chattanooga, 37415

    CLOSED - 4.71 miles away


Cornerstone Bank converts five Chattanooga area locations to Cornerstone community bank tn src="" alt="some text">

About SmartBank

Parent company: SmartFinancial Inc. based in Knoxville

Assets: $980 million

Branches: 12 branches and two loan production offices, including five branches in Chattanooga

CEO: Billy Carroll in Knoxville

Chairman: Miller Welborn in Chattanooga

Staff: 225 employees, including about 100 in Chattanooga

Chattanooga is getting a new bank over the weekend.

Cornerstone Bank is converting its five offices to the SmartBank name and will enter the residential mortgage market at three branches on Tuesday.

The changes reflect the angel caller chime necklace last September of the 30-year-old Cornerstone Bank in Chattanooga with the 9-year-old SmartBank in Pigeon Forge to create the biggest independent bank in East Tennessee.

The new SmartBank name, which bank Chairman Miller Welborn said is ideally suited for Chattanooga's growing innovation and entrepreneurial focus, will replace the Cornerstone name at all five of the Chattanooga branches by Monday morning.

"It's a whole brand redo," Welborn said Friday as bank employees prepared for the weekend conversion of bank systems and signage. "We're changing everything from the maroon pens on the teller lines to the deposit and withdrawal slips used by our customers to the business cards and the apparel worn by our associates."

Along with the new name, consumers will see some new product offerings next week. SmartBank is adding residential lending at three of its five local offices on Tuesday. SmartBank also has some expanded technology and mobile platforms to allow customers the ability to do more banking on their mobile phones and to gain options for more treasury management products for business clients.

Credit limits for the former Cornerstone Bank also have tripled following its merger last year with SmartBank.

"We'll have the same great people delivering the same great services, but we will have some more products and some additional technology," said Barry Watson, president of SmartBank in Chattanooga, which is in the process of creating a new local advisory board to maintain the local perspective for the Knoxville-based holding company.

SmartBank is also adding residential lending in Chattanooga on March 1. SmartBank has built a back office mortgage operation in Florida to help support the new mortgage lending service.

SmartBank already extended the hours of some of its branches in Chattanooga last month, opening drive-through windows as early as 7:30 a.m. and keeping drive-through windows open until 6 p.m. on weekdays. SmartBank also added Saturday hours american heritage bank near me three of its offices.

Billy Carroll, CEO of SmartBank, said Cornerstone "has had to play defense" in the past when the Chattanooga bank operated for several years under an FDIC consent order.

"But now we are cornerstone community bank tn offense and we have a very energetic, entrepreneurial sales culture, which is fun," Carroll said Friday. "We put a lot of energy in our culture."

Although banks have historically been places where employees wear suits and ties, SmartBank is sporting a more informal and inviting look.

"I think you'll see a much more casual, user-friendly and uninhibiting cornerstone community bank tn where you will find a more comfortable setting when you come in," Welborn said. "I think you'll see as our branches start to be rebranded, some brighter colors and not the dark, old mahogany smoke-filled rooms. And if one of our bankers has a tie on, he's probably headed to a funeral."

The downtown main office of Cornerstone at Georgia Avenue and M.L. Walmart money card account login, which is jointly owned by SmartBank and the Lamp Post Group, may be revamped to help conform with the Miller Park revamp in the midst of the Innovation District.

"One of the things we are committed to do is to plug some of our younger lenders into cornerstone community bank tn of these everbank locations jacksonville fl startups in Chattanooga to help work with businesses as they grow," said Welborn, one of the partners of the Lamp Post Group.

Carroll said he was attracted to Chattanooga by its growing entrepreneurial climate and the shared philosophies of the two banks.

"As we went through the process of putting the banks together, we found the philosophies are very similar," Carroll said. "Both of our banks have stayed aggressive in the market in their deposit pricing so our clients will be happy with the rates we will offer."

SmartBank sent out thousands of new debit cards to bank customers over the past couple of weeks in preparation for this weekend's conversion to the new SmartBank system. But the bank will continue to honor and use Cornerstone-marked checks, deposit slips and other forms until they run out.

Unlike www prudential com online retirement com bank mergers, the combination didn't require any staff cuts or as big of a software conversion and employee training program.

"Both banks were very lean and since we both had the same software system, we won't have to be learning a whole new system," Carroll said.

Much of the combined bank's back office operations will be done at Cornerstone's operations center on Lee Highway.

SmartBank made a cornerstone community bank tn, though smaller conversion three years ago after buying the assets and liabilities of the former GulfSouth Private Bank, which had offices in the Florida Panhandle cities of Destin, Fort Walton Beach, Pensacola and Santa Rosa Beach.

The combined bank has assets of nearly $1 billion at its offices in the Knoxville, Chattanooga and Destin, Fla., metropolitan areas.

Contact Dave Flessner at [email protected] or at 757-6340

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