Side-by-side · Q2 2026 data
Security Bank & Trust Company vs Cornerstone State Bank
Metric by metric
| Measure | Security Bank & Trust Company | Cornerstone State Bank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 44 | 56 (stronger) |
| Loan quality | 89 (stronger) | 73 |
| Earnings | 98 (stronger) | 80 |
| Funding & liquidity | 60 | 93 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 74th | 57th |
| Total assets | $1.3B | $247.0M |
| Deposits / shares | $1.2B | $223.9M |
| Capital ratio | 9.37% | 10.60% (stronger) |
| Problem loans | 0.34% (stronger) | 0.80% |
| Net charge-offs | 0.07% | -0.84% (stronger) |
| Return on assets | 1.96% (stronger) | 1.49% |
| Loans ÷ deposits | 71.3% | 67.1% (stronger) |
| Uninsured deposits | 40.9% | 11.3% (stronger) |
| Offices | 19 | 7 |
| CFPB complaints (3 yrs) | 124 | — |
| Complaints per $1B deposits | 103.3 | — |
| Mortgage denial rate (HMDA) | 2.6% | 6.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Security Bank & Trust Company leads on 2 and Cornerstone State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.