Bank Comparison
Security First Bank vs Cornerstone Bank
BankRegReports is independent of Security First Bank and Cornerstone Bank and never asks for online banking logins or passwords.
At Q2 2026, Cornerstone Bank is the larger bank, with $2.73B in total assets to Security First Bank's $2.32B; Cornerstone Bank has the higher return on assets (1.35% vs 0.92%).
vs
10 · 4
winning metrics across 14 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Security First Bank | Cornerstone Bank |
|---|---|---|
| CET1 Ratio | 11.03% | — |
| Tier 1 Capital Ratio | 11.03% | — |
| Total Capital Ratio | 12.25% | — |
| Tier 1 Leverage Ratio | 8.30% | 9.88% |
| Equity / Assets | 9.35% | 9.15% |
Profitability
| Metric | Security First Bank | Cornerstone Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.35% |
| Return on Equity (ROE) | 10.50% | 14.79% |
| Net Interest Margin (NIM) | 3.47% | 3.45% |
| Yield on Earning Assets | 5.45% | 5.55% |
| Cost of Funds | 2.13% | 2.25% |
Asset quality
| Metric | Security First Bank | Cornerstone Bank |
|---|---|---|
| Texas Ratio | 1.32% | 12.15% |
| Non-Performing Loan Ratio | 0.17% | 1.55% |
| Non-Performing Asset Ratio | 0.12% | 1.19% |
| Net Charge-Off Ratio | -0.02% | 0.38% |
| ACL / Loans | 1.31% | 1.15% |
Balance sheet
| Metric | Security First Bank | Cornerstone Bank |
|---|---|---|
| Total Assets | $2.32B | $2.73B |
| Total Deposits | $2.03B | $2.31B |
| Total Loans | $1.59B | $2.09B |
| Total Equity | $217.0M | $249.7M |
| Net Income (quarter) | $5.3M | $9.1M |
Liquidity & funding
| Metric | Security First Bank | Cornerstone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.10% | 90.48% |
| Core Deposit Ratio | 86.73% | 83.43% |
| Uninsured Deposit Ratio | 20.88% | 34.04% |
Identity
| Metric | Security First Bank | Cornerstone Bank |
|---|---|---|
| Headquarters City | Lincoln | York |
| Headquarters State | NE | NE |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FED |
| Domestic Branches | 36 | 50 |
| Employees (FTE) | 329 | 514 |
| Established | July 1, 1924 | April 22, 1882 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Security First Bank profile | View full Cornerstone Bank profile | Browse all bank comparisons