Side-by-side · Q2 2026 data
Bank of Pontiac vs Cornerstone National Bank & Trust Company
Metric by metric
| Measure | Bank of Pontiac | Cornerstone National Bank & Trust Company |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 54 | 54 |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 71 (stronger) | 66 |
| Funding & liquidity | 58 (stronger) | 39 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 66th | 58th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $1.0B | $897.0M |
| Capital ratio | 10.35% | 10.36% (stronger) |
| Problem loans | 0.27% | 0.03% (stronger) |
| Net charge-offs | 0.30% | 0.00% (stronger) |
| Return on assets | 1.28% (stronger) | 1.15% |
| Loans ÷ deposits | 82.9% (stronger) | 87.8% |
| Uninsured deposits | 32.6% (stronger) | 45.1% |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | 3.1% |
Bank of Pontiac has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Bank of Pontiac leads on 4 and Cornerstone National Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.