Side-by-side · Q2 2026 data
Cornerstone Bank vs Heritage Bank
Metric by metric
| Measure | Cornerstone Bank | Heritage Bank |
|---|---|---|
| TellerScore | 56 | 86 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 48 | 61 (stronger) |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 50 | 74 (stronger) |
| Problem-loan coverage | 76 | 95 (stronger) |
| Peer percentile | 15th | 90th |
| Total assets | $2.7B | $611.6M |
| Deposits / shares | $2.3B | $420.5M |
| Capital ratio | 9.88% | 23.01% (stronger) |
| Problem loans | 1.55% | 1.18% (stronger) |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 1.24% | 2.58% (stronger) |
| Loans ÷ deposits | 89.4% | 70.5% (stronger) |
| Uninsured deposits | 34.0% | 29.0% (stronger) |
| Offices | 45 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Heritage Bank has the higher TellerScore (86 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Bank leads on 0 and Heritage Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Grand Island, NE
- Aurora, NE
- Stromsburg, NE