Side-by-side · Q2 2026 data
BayCoast Bank vs Cornerstone Bank
Metric by metric
| Measure | BayCoast Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 46 | 60 (stronger) |
| Capital cushion | 33 | 42 (stronger) |
| Loan quality | 52 | 88 (stronger) |
| Earnings | 40 | 45 (stronger) |
| Funding & liquidity | 50 (stronger) | 47 |
| Problem-loan coverage | 77 | 94 (stronger) |
| Peer percentile | 5th | 21st |
| Total assets | $2.9B | $2.6B |
| Deposits / shares | $2.5B | $1.9B |
| Capital ratio | 8.29% | 9.22% (stronger) |
| Problem loans | 1.45% | 0.35% (stronger) |
| Net charge-offs | 0.12% | 0.04% (stronger) |
| Return on assets | 0.51% | 0.63% (stronger) |
| Loans ÷ deposits | 90.6% (stronger) | 99.4% |
| Uninsured deposits | 32.8% | 27.4% (stronger) |
| Offices | 26 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | 17.6% |
Cornerstone Bank has the higher TellerScore (60 vs 46). On the 7 directional measures above (where higher or lower is clearly better), BayCoast Bank leads on 1 and Cornerstone Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.