Side-by-side · Q2 2026 data
Carter Bank & Trust vs CornerStone Bank
Metric by metric
| Measure | Carter Bank & Trust | CornerStone Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 66 |
| Capital cushion | 67 (stronger) | 59 |
| Loan quality | 66 | 71 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 70 (stronger) | 56 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 80th | 31st |
| Total assets | $4.8B | $232.8M |
| Deposits / shares | $4.2B | $198.6M |
| Capital ratio | 11.73% (stronger) | 10.86% |
| Problem loans | 1.01% | 0.87% (stronger) |
| Net charge-offs | -0.82% (stronger) | -0.03% |
| Return on assets | 3.66% (stronger) | 1.20% |
| Loans ÷ deposits | 87.7% (stronger) | 92.1% |
| Uninsured deposits | 17.7% (stronger) | 26.4% |
| Offices | 66 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Carter Bank & Trust has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Carter Bank & Trust leads on 6 and CornerStone Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.