Side-by-side · Q2 2026 data
State Bank of Schaller vs Cornerstone Bank
Metric by metric
| Measure | State Bank of Schaller | Cornerstone Bank |
|---|---|---|
| TellerScore | 59 | 83 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 52 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 18th | 73rd |
| Total assets | $40.6M | $42.0M |
| Deposits / shares | $34.9M | $34.6M |
| Capital ratio | 13.27% | 15.19% (stronger) |
| Problem loans | 3.69% | 0.47% (stronger) |
| Net charge-offs | 1.20% | 0.24% (stronger) |
| Return on assets | 0.81% (stronger) | 0.68% |
| Loans ÷ deposits | 28.6% (stronger) | 75.8% |
| Uninsured deposits | 0.5% (stronger) | 8.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cornerstone Bank has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Schaller leads on 3 and Cornerstone Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.