Bank Comparison
First National Bank and Trust vs Cornerstone State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank and Trust | Cornerstone State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.50% | 10.34% |
| Equity / Assets | 7.47% | 7.63% |
Profitability
| Metric | First National Bank and Trust | Cornerstone State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 1.28% |
| Return on Equity (ROE) | 7.09% | 17.00% |
| Net Interest Margin (NIM) | 3.49% | 3.34% |
| Yield on Earning Assets | 4.85% | 4.85% |
| Cost of Funds | 1.41% | 1.63% |
Asset quality
| Metric | First National Bank and Trust | Cornerstone State Bank |
|---|---|---|
| Texas Ratio | 2.52% | 3.76% |
| Non-Performing Loan Ratio | 0.00% | 0.44% |
| Non-Performing Asset Ratio | 0.21% | 0.29% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.25% | 0.93% |
Balance sheet
| Metric | First National Bank and Trust | Cornerstone State Bank |
|---|---|---|
| Total Assets | $243,510K | $243,072K |
| Total Deposits | $224,326K | $221,495K |
| Total Loans | $146,560K | $155,913K |
| Total Equity | $18,194K | $18,552K |
| Net Income (quarter) | $324 | $799 |
Liquidity & funding
| Metric | First National Bank and Trust | Cornerstone State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.33% | 70.39% |
| Core Deposit Ratio | 83.13% | 96.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank and Trust | Cornerstone State Bank |
|---|---|---|
| Headquarters City | ATMORE | MONTGOMERY |
| Headquarters State | AL | MN |
| Asset Tier | Small | Small |
| Charter Class | 10697 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 7 |
| Employees (FTE) | 46 | 39 |
| Established | Jan. 1, 1915, midnight | April 8, 1974, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First National Bank and Trust profile | View full Cornerstone State Bank profile | Browse all bank comparisons