Side-by-side · Q2 2026 data
Farmers Bank & Trust vs Cornerstone Bank
Metric by metric
| Measure | Farmers Bank & Trust | Cornerstone Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 87 (stronger) | 33 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 100th | 37th |
| Total assets | $1.1B | $504.9M |
| Deposits / shares | $699.1M | $298.4M |
| Capital ratio | 23.97% (stronger) | 9.16% |
| Problem loans | 0.19% | 0.05% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 2.56% (stronger) | 1.47% |
| Loans ÷ deposits | 71.3% (stronger) | 144.7% |
| Uninsured deposits | 16.6% (stronger) | 30.1% |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 3.1% |
Farmers Bank & Trust has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust leads on 6 and Cornerstone Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.