Side-by-side · Q2 2026 data
Exchange Bank vs Cornerstone Bank
Metric by metric
| Measure | Exchange Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 54 | 56 (stronger) |
| Capital cushion | 64 (stronger) | 49 |
| Loan quality | 0 | 48 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 60 | 76 (stronger) |
| Peer percentile | 12th | 15th |
| Total assets | $1.6B | $2.7B |
| Deposits / shares | $1.2B | $2.3B |
| Capital ratio | 11.39% (stronger) | 9.88% |
| Problem loans | 3.49% | 1.55% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 2.13% (stronger) | 1.24% |
| Loans ÷ deposits | 88.0% (stronger) | 89.4% |
| Uninsured deposits | 27.5% (stronger) | 34.0% |
| Offices | 7 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 18.4% |
Cornerstone Bank has the higher TellerScore (56 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 5 and Cornerstone Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.