Side-by-side · Q2 2026 data
State Savings Bank vs Cornerstone Bank
Metric by metric
| Measure | State Savings Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 91 (stronger) | 47 |
| Funding & liquidity | 59 | 84 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 43rd | 73rd |
| Total assets | $207.2M | $42.0M |
| Deposits / shares | $181.3M | $34.6M |
| Capital ratio | 10.04% | 15.19% (stronger) |
| Problem loans | 0.72% | 0.47% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.24% |
| Return on assets | 1.78% (stronger) | 0.68% |
| Loans ÷ deposits | 101.3% | 75.8% (stronger) |
| Uninsured deposits | 14.3% | 8.5% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cornerstone Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 2 and Cornerstone Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.