Cornerstone Community BankCornerstone Community Bank
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Now Accepting Investor Interest

Own a Piece of Your Community Bank

Cornerstone Community Bank is bringing local banking back to Owensboro and Daviess County. For the first time in decades, you can invest in a bank that's 100% locally owned, locally operated, and committed to keeping profits right here at home.

$0K
Minimum Investment
0+
Anticipated Local Investors
1st
KY Bank Charter Since 2009

Express Your Interest

Join other local investors building Owensboro's newest bank

Why Cornerstone

A Different Kind of Bank

Cornerstone will be owned by a broad group of local investors, with no single individual or investor group holding a controlling interest. This structure supports long-term accountability, stability, and decisions made with the community in mind.

Cornerstone building

Local Ownership, Local Control

Our shareholders and board members live in our community. No distant shareholders. No out-of-state approvals. Just neighbors investing in neighbors.

Open sign in window

Relationships Before Transactions

We know there's a story behind every loan application and a family behind every account. We listen first, then find solutions.

Owensboro bridge

Profits Stay Home

When we succeed, our community succeeds. Our profits fuel local growth, support local causes, and strengthen the community that built us.

The Opportunity

Be Part of Something Historic

Cornerstone will be the first new Kentucky bank charter since 2009 and Owensboro's first truly locally-owned community bank in decades. This is a rare opportunity to invest at the ground level of a financial institution built for and by our community.

  • Conditional approvals received from the State and FDIC
  • Experienced leadership with 70+ years combined banking experience
  • Banking board represents agriculture, construction, law, insurance, and manufacturing
  • Projected opening June 2026
  • $25,000 minimum makes ownership accessible
  • Warrants included: 1 for every 4 shares purchased

Investment Overview

Price per Share$10
Minimum Investment$25,000
Maximum Investment$1,000,000
Warrants1 for 4 (25%)
Required Offering$20,000,000
Funding DeadlineMarch 31, 2026
Express Interest Now
Leadership

Meet Your Neighbors

Our founding team brings together decades of experience across banking, business, agriculture, construction, law, and insurance.

Kyle Aud

Kyle Aud

President & CEO

Kyle is a community banker with over 20 years of experience in Daviess County, specializing in commercial lending. Former Market President recognized for driving meaningful loan growth. MBA from WKU and graduate of Leadership Kentucky.

Tom Ed Booth

Tom Ed Booth

Chief Credit Officer

Tom Ed brings decades of lending experience in community banking, with deep knowledge of local markets and credit management across Western Kentucky.

Billy Duvall

Billy Duvall

Chief Financial Officer

Billy has 30+ years in banking and accounting. Former CFO of multiple Kentucky community banks. CPA with extensive regulatory experience.

Andrew Howard

Andrew Howard

Market President

Andrew brings more than 15 years of high-level commercial lending experience along with a strong record of civic leadership. A graduate of Owensboro Catholic, Brescia University, and Leadership Owensboro, he has deep roots in our community and a clear understanding of the value of local relationships.

Kimberly L. Hurt

Kimberly L. Hurt

Director of Operations

Kim brings extensive community bank operations and technology experience, ensuring a smooth, compliant, and efficient bank launch and ongoing operations.

Board of Directors

Jonathan A. Lawson - Chairman

Jonathan A. Lawson - Chairman

Previous owner of Bank of Ohio County and member of the Federal Reserve Board of Directors – Louisville Branch

Banking
Michael E. Horn

Michael E. Horn

Retired Owner, Titan Contracting

Construction
Suzanne Cecil White

Suzanne Cecil White

Director of Operations, Cecil Farms

Agriculture
T. Tommy Littlepage

T. Tommy Littlepage

Managing Partner, Wilson, Hutchinson & Littlepage

Law
Steven M. Ford

Steven M. Ford

Partner, EM Ford

Insurance
Steven Neel Ford

Steven Neel Ford

Partner, EM Ford

Insurance
John T. Yager

John T. Yager

Co-Owner, Construction Engineering Solutions

Construction
Chris W. Anderson

Chris W. Anderson

President, Sun Windows Inc.

Manufacturing
Thomas Nicholas “Nick” Thompson II

Thomas Nicholas “Nick” Thompson II

President, Thompson Homes

Construction
Kyle Aud

Kyle Aud

Proposed President & CEO

Banking
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"When we went to Frankfort and met with the FDIC and Department of Financial Institutions, they said, ‘That’s what we like about you all. You’re all from the community, and you’re wanting to do something for the community."

T. Tommy LittlepageBoard Member, Managing Partner at Wilson, Hutchinson & Littlepage

Your Neighbors. Your Bank.

This is your opportunity to own a piece of Owensboro's future. Express your interest today and receive the Confidential Opportunity Overview.