Side-by-side · Q2 2026 data
Cornerstone Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Cornerstone Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 56 | 78 (stronger) |
| Capital cushion | 49 | 56 (stronger) |
| Loan quality | 48 | 100 (stronger) |
| Earnings | 70 (stronger) | 56 |
| Funding & liquidity | 50 | 99 (stronger) |
| Problem-loan coverage | 76 | 100 (stronger) |
| Peer percentile | 15th | 86th |
| Total assets | $2.7B | $1.1B |
| Deposits / shares | $2.3B | $885.6M |
| Capital ratio | 9.88% | 10.64% (stronger) |
| Problem loans | 1.55% | 0.00% (stronger) |
| Net charge-offs | 0.18% | -0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.89% |
| Loans ÷ deposits | 89.4% | 26.2% (stronger) |
| Uninsured deposits | 34.0% | 16.0% (stronger) |
| Offices | 45 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 10.7% |
Farmers and Merchants Bank has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Bank leads on 1 and Farmers and Merchants Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.