Side-by-side · Q2 2026 data
Cornerstone Capital Bank, SSB vs Texas Bank and Trust Company
Metric by metric
| Measure | Cornerstone Capital Bank, SSB | Texas Bank and Trust Company |
|---|---|---|
| TellerScore | 32 | 75 (stronger) |
| Capital cushion | 53 | 81 (stronger) |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 25 | 81 (stronger) |
| Funding & liquidity | 39 (stronger) | 34 |
| Problem-loan coverage | 55 | 93 (stronger) |
| Peer percentile | 1st | 77th |
| Total assets | $3.7B | $4.3B |
| Deposits / shares | $2.4B | $3.8B |
| Capital ratio | 10.26% | 13.10% (stronger) |
| Problem loans | 3.62% | 0.61% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 0.11% | 1.54% (stronger) |
| Loans ÷ deposits | 109.3% | 90.4% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 47.3% |
| Offices | 16 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Texas Bank and Trust Company has the higher TellerScore (75 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Capital Bank, SSB leads on 1 and Texas Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.