Bank Comparison
Keystone Bank, SSB vs Cornerstone National Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Keystone Bank, SSB | Cornerstone National Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 11.97% | 11.71% |
| Tier 1 Capital Ratio | 11.97% | 11.71% |
| Total Capital Ratio | 12.96% | 12.80% |
| Tier 1 Leverage Ratio | 9.41% | 10.03% |
| Equity / Assets | 10.19% | 9.90% |
Profitability
| Metric | Keystone Bank, SSB | Cornerstone National Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | -0.09% | 1.00% |
| Return on Equity (ROE) | -0.94% | 10.21% |
| Net Interest Margin (NIM) | 3.54% | 3.89% |
| Yield on Earning Assets | 6.29% | 5.39% |
| Cost of Funds | 3.12% | 1.65% |
Asset quality
| Metric | Keystone Bank, SSB | Cornerstone National Bank & Trust Company |
|---|---|---|
| Texas Ratio | 0.99% | 0.47% |
| Non-Performing Loan Ratio | 0.13% | 0.03% |
| Non-Performing Asset Ratio | 0.10% | 0.05% |
| Net Charge-Off Ratio | 2.35% | 0.00% |
| ACL / Loans | 0.96% | 1.22% |
Balance sheet
| Metric | Keystone Bank, SSB | Cornerstone National Bank & Trust Company |
|---|---|---|
| Total Assets | $1,018M | $1,020M |
| Total Deposits | $864,854K | $913,520K |
| Total Loans | $814,886K | $771,986K |
| Total Equity | $103,749K | $100,966K |
| Net Income (quarter) | $-245 | $2,583K |
Liquidity & funding
| Metric | Keystone Bank, SSB | Cornerstone National Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 94.22% | 84.51% |
| Core Deposit Ratio | 91.68% | 96.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Keystone Bank, SSB | Cornerstone National Bank & Trust Company |
|---|---|---|
| Headquarters City | Austin | PALATINE |
| Headquarters State | TX | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 24114 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 92 | 101 |
| Established | April 1, 1997, midnight | Oct. 16, 2000, 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.
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