Side-by-side · Q2 2026 data
Houghton State Bank vs Cornerstone Bank
Metric by metric
| Measure | Houghton State Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 69 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 14 | 84 (stronger) |
| Earnings | 83 (stronger) | 47 |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 40th | 73rd |
| Total assets | $204.8M | $42.0M |
| Deposits / shares | $169.2M | $34.6M |
| Capital ratio | 15.39% (stronger) | 15.19% |
| Problem loans | 2.58% | 0.47% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.24% |
| Return on assets | 1.56% (stronger) | 0.68% |
| Loans ÷ deposits | 85.7% | 75.8% (stronger) |
| Uninsured deposits | 19.4% | 8.5% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Cornerstone Bank has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Houghton State Bank leads on 3 and Cornerstone Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.