Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Cornerstone State Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Cornerstone State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 51 | 56 (stronger) |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 74 | 80 (stronger) |
| Funding & liquidity | 79 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 68th | 57th |
| Total assets | $486.4M | $247.0M |
| Deposits / shares | $436.8M | $223.9M |
| Capital ratio | 10.09% | 10.60% (stronger) |
| Problem loans | 0.01% (stronger) | 0.80% |
| Net charge-offs | -0.00% | -0.84% (stronger) |
| Return on assets | 1.36% | 1.49% (stronger) |
| Loans ÷ deposits | 70.3% | 67.1% (stronger) |
| Uninsured deposits | 24.7% | 11.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 6.0% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 2 and Cornerstone State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Le Sueur, MN