Side-by-side · Q2 2026 data
First National Bank vs CornerStone Bank
Metric by metric
| Measure | First National Bank | CornerStone Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 66 |
| Capital cushion | 38 | 59 (stronger) |
| Loan quality | 94 (stronger) | 71 |
| Earnings | 90 (stronger) | 68 |
| Funding & liquidity | 70 (stronger) | 56 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 70th | 31st |
| Total assets | $1.1B | $232.8M |
| Deposits / shares | $1.0B | $198.6M |
| Capital ratio | 8.84% | 10.86% (stronger) |
| Problem loans | 0.19% (stronger) | 0.87% |
| Net charge-offs | 0.07% | -0.03% (stronger) |
| Return on assets | 1.76% (stronger) | 1.20% |
| Loans ÷ deposits | 71.3% (stronger) | 92.1% |
| Uninsured deposits | 32.3% | 26.4% (stronger) |
| Offices | 19 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
First National Bank has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and CornerStone Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.