Side-by-side · Q2 2026 data
Cornerstone State Bank vs Union Bank and Trust Company
Metric by metric
| Measure | Cornerstone State Bank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 38 |
| Capital cushion | 56 (stronger) | 50 |
| Loan quality | 73 (stronger) | 0 |
| Earnings | 80 (stronger) | 55 |
| Funding & liquidity | 93 (stronger) | 50 |
| Problem-loan coverage | 89 (stronger) | 47 |
| Peer percentile | 57th | 2nd |
| Total assets | $247.0M | $253.4M |
| Deposits / shares | $223.9M | $230.9M |
| Capital ratio | 10.60% (stronger) | 10.02% |
| Problem loans | 0.80% (stronger) | 3.13% |
| Net charge-offs | -0.84% (stronger) | 0.00% |
| Return on assets | 1.49% (stronger) | 0.87% |
| Loans ÷ deposits | 67.1% | 49.2% (stronger) |
| Uninsured deposits | 11.3% (stronger) | 67.4% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Cornerstone State Bank has the higher TellerScore (74 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone State Bank leads on 6 and Union Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.