Side-by-side · Q2 2026 data
Cornerstone Bank vs Union Bank and Trust Company
Metric by metric
| Measure | Cornerstone Bank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 56 | 76 (stronger) |
| Capital cushion | 49 | 56 (stronger) |
| Loan quality | 48 | 89 (stronger) |
| Earnings | 70 | 86 (stronger) |
| Funding & liquidity | 50 | 69 (stronger) |
| Problem-loan coverage | 76 | 96 (stronger) |
| Peer percentile | 15th | 80th |
| Total assets | $2.7B | $9.2B |
| Deposits / shares | $2.3B | $7.5B |
| Capital ratio | 9.88% | 10.65% (stronger) |
| Problem loans | 1.55% | 0.32% (stronger) |
| Net charge-offs | 0.18% | 0.10% (stronger) |
| Return on assets | 1.24% | 1.66% (stronger) |
| Loans ÷ deposits | 89.4% (stronger) | 91.6% |
| Uninsured deposits | 34.0% | 11.8% (stronger) |
| Offices | 45 | 37 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 11.7% |
Union Bank and Trust Company has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Bank leads on 1 and Union Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Columbus, NE
- Grand Island, NE
- York, NE