TellerScore

Side-by-side · Q2 2026 data

St. Clair State Bank (Incorporated) vs Cornerstone State Bank

Bank

St. Clair State Bank (Incorporated)

Saint Clair, Minnesota · $100 million – $1 billion

85of 100
Very strong

Bank

Cornerstone State Bank

Montgomery, Minnesota · $100 million – $1 billion

74of 100
Strong

Metric by metric

MeasureSt. Clair State Bank (Incorporated)Cornerstone State Bank
TellerScore85 (stronger)74
Capital cushion61 (stronger)56
Loan quality99 (stronger)73
Earnings100 (stronger)80
Funding & liquidity7793 (stronger)
Problem-loan coverage100 (stronger)89
Peer percentile88th57th
Total assets$134.4M$247.0M
Deposits / shares$118.4M$223.9M
Capital ratio11.08% (stronger)10.60%
Problem loans0.03% (stronger)0.80%
Net charge-offs0.00%-0.84% (stronger)
Return on assets2.18% (stronger)1.49%
Loans ÷ deposits83.0%67.1% (stronger)
Uninsured deposits15.0%11.3% (stronger)
Offices17
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)—6.0%

St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 4 and Cornerstone State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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