Side-by-side · Q2 2026 data
Farmers State Bank vs Cornerstone Bank
Metric by metric
| Measure | Farmers State Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 83 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 65 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 84th | 73rd |
| Total assets | $36.7M | $42.0M |
| Deposits / shares | $31.5M | $34.6M |
| Capital ratio | 13.07% | 15.19% (stronger) |
| Problem loans | 0.00% (stronger) | 0.47% |
| Net charge-offs | -0.02% (stronger) | 0.24% |
| Return on assets | 1.13% (stronger) | 0.68% |
| Loans ÷ deposits | 39.1% (stronger) | 75.8% |
| Uninsured deposits | 12.7% | 8.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Cornerstone Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.