Side-by-side · Q2 2026 data
First State Bank and Trust vs Cornerstone Bank
Metric by metric
| Measure | First State Bank and Trust | Cornerstone Bank |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 36 | 42 (stronger) |
| Loan quality | 84 | 98 (stronger) |
| Earnings | 67 | 79 (stronger) |
| Funding & liquidity | 82 (stronger) | 33 |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 31st | 37th |
| Total assets | $514.9M | $504.9M |
| Deposits / shares | $457.6M | $298.4M |
| Capital ratio | 8.64% | 9.16% (stronger) |
| Problem loans | 0.48% | 0.05% (stronger) |
| Net charge-offs | 0.44% | 0.03% (stronger) |
| Return on assets | 1.18% | 1.47% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 144.7% |
| Uninsured deposits | 20.3% (stronger) | 30.1% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 3.1% |
Cornerstone Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 2 and Cornerstone Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.