Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs Cornerstone State Bank
Metric by metric
| Measure | Citizens Bank & Trust Co. | Cornerstone State Bank |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 36 | 56 (stronger) |
| Loan quality | 91 (stronger) | 73 |
| Earnings | 68 | 80 (stronger) |
| Funding & liquidity | 84 | 93 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 40th | 57th |
| Total assets | $329.0M | $247.0M |
| Deposits / shares | $297.4M | $223.9M |
| Capital ratio | 8.63% | 10.60% (stronger) |
| Problem loans | 0.26% (stronger) | 0.80% |
| Net charge-offs | 0.09% | -0.84% (stronger) |
| Return on assets | 1.21% | 1.49% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 67.1% |
| Uninsured deposits | 29.9% | 11.3% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Cornerstone State Bank has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 2 and Cornerstone State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.