Side-by-side · Q2 2026 data
Highlands Community Bank vs CornerStone Bank
Metric by metric
| Measure | Highlands Community Bank | CornerStone Bank |
|---|---|---|
| TellerScore | 57 | 66 (stronger) |
| Capital cushion | 76 (stronger) | 59 |
| Loan quality | 16 | 71 (stronger) |
| Earnings | 36 | 68 (stronger) |
| Funding & liquidity | 97 (stronger) | 56 |
| Problem-loan coverage | 81 | 88 (stronger) |
| Peer percentile | 14th | 31st |
| Total assets | $188.9M | $232.8M |
| Deposits / shares | $167.3M | $198.6M |
| Capital ratio | 12.63% (stronger) | 10.86% |
| Problem loans | 2.51% | 0.87% (stronger) |
| Net charge-offs | 0.27% | -0.03% (stronger) |
| Return on assets | 0.39% | 1.20% (stronger) |
| Loans ÷ deposits | 48.6% (stronger) | 92.1% |
| Uninsured deposits | 18.1% (stronger) | 26.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CornerStone Bank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Highlands Community Bank leads on 3 and CornerStone Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.