Side-by-side · Q2 2026 data
Defiance State Bank vs Cornerstone Bank
Metric by metric
| Measure | Defiance State Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 49 (stronger) | 47 |
| Funding & liquidity | 65 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 33rd | 73rd |
| Total assets | $42.6M | $42.0M |
| Deposits / shares | $33.5M | $34.6M |
| Capital ratio | 9.86% | 15.19% (stronger) |
| Problem loans | 0.08% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 0.71% (stronger) | 0.68% |
| Loans ÷ deposits | 95.3% | 75.8% (stronger) |
| Uninsured deposits | 8.9% | 8.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cornerstone Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Defiance State Bank leads on 3 and Cornerstone Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.