Cornerstone Bank was formed in 2017, and was built on the foundation of two local, mutual banks joining together— Southbridge Savings Bank and SpencerBANK (founded in 1871). Based in Worcester, Massachusetts, we currently operate 13 branch offices. Cornerstone Bank is a local, community bank dedicated to providing high-quality, personal customer service and convenience for individuals, businesses and community organizations in Central Massachusetts. Whether a business or personal partnership, Cornerstone Bank rests on the foundation that relationships are Built on Trust.