Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs Cornerstone State Bank
Metric by metric
| Measure | First Farmers & Merchants National Bank | Cornerstone State Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 66 (stronger) | 56 |
| Loan quality | 72 | 73 (stronger) |
| Earnings | 71 | 80 (stronger) |
| Funding & liquidity | 58 | 93 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 43rd | 57th |
| Total assets | $242.6M | $247.0M |
| Deposits / shares | $213.5M | $223.9M |
| Capital ratio | 11.62% (stronger) | 10.60% |
| Problem loans | 0.85% | 0.80% (stronger) |
| Net charge-offs | 0.00% | -0.84% (stronger) |
| Return on assets | 1.26% | 1.49% (stronger) |
| Loans ÷ deposits | 85.7% | 67.1% (stronger) |
| Uninsured deposits | 30.5% | 11.3% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Cornerstone State Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 1 and Cornerstone State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.