Side-by-side · Q2 2026 data
The First State Bank vs Cornerstone Bank
Metric by metric
| Measure | The First State Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 68 |
| Capital cushion | 81 (stronger) | 42 |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 94 (stronger) | 79 |
| Funding & liquidity | 83 (stronger) | 33 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 95th | 37th |
| Total assets | $493.2M | $504.9M |
| Deposits / shares | $406.6M | $298.4M |
| Capital ratio | 13.05% (stronger) | 9.16% |
| Problem loans | 0.10% | 0.05% (stronger) |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.85% (stronger) | 1.47% |
| Loans ÷ deposits | 68.5% (stronger) | 144.7% |
| Uninsured deposits | 23.1% (stronger) | 30.1% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.1% |
The First State Bank has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 5 and Cornerstone Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.