FDIC Cert #34478 · Charlotte, North Carolina · Est. 1998

Cedar Hill National Bank - FDIC Bank Health Profile

A community-scale look at Cedar Hill National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$16M
Total assets
A
Health grade · Excellent
4.75%
Return on assets
91.9%
Tier 1 capital

Data updated July 2026

The verdict

Cedar Hill National Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 91.87% Tier 1, profitable at 4.75% ROA, 63% efficiency ratio.

#4,294
largest of 4,313 FDIC banks by assets
0th
percentile by asset size, nationally
91.87%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 34478 · NC A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (93/100)
  • UPPER-Q #518/4307
  • PHOTO-FINISH First Command Bank · TX
  • TIER1-WELL 91.9% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 4.75% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside North Carolina: First Command Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cedar Hill National Bank

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Equity Bank · IL · near93/100Cedar Hill National… · NC · …93/100First Command Bank · TX · ne…93/100The Philadelphia Tru… · PA ·…93/100WebBank · UT · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cedar Hill National Bank · July 2026

What Cedar Hill National Bank's Call Report plate shows

Cedar Hill National Bank (FDIC Cert #34478) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #518 of 4,307. Tier 1 capital prints at 91.87%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 4.75%. Balance-sheet scale is $16M, 4,294th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Command Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cedar Hill National Bank

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Cedar Hill National Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Cedar Hill National Bank remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How Cedar Hill National Bank's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
Cedar Hill National Bank's composite health score
Tier 1 Capital Ratio (91.87%) 40/40
Return on Assets (ROA) (4.75%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (63.31%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$16M

Total balance-sheet footings

Total Deposits

$2M

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$735K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 20% 40% 60% 80% 100% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 90.47% 91.87% 93.27%
Basel III capital ratios - Cedar Hill National Bank

Where Cedar Hill National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cedar Hill National Bank's score of 93/100 falls in the highlighted band.

Cedar Hill National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 12% higher than 88% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Cedar Hill National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cedar Hill National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cedar Hill National Bank's $16M falls in the highlighted band.

Safety ratios for Cedar Hill National Bank

Tier 1 capital ratio
Well-capitalized 10%

91.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
91.87%
Texas Ratio
0.00%
Equity Capital
$11M

What these ratios mean →

Earnings posture at Cedar Hill National Bank

Return on Assets (ROA)
99th percentile nationally
4.75%
Return on Equity (ROE)
6.65%
Efficiency Ratio
63.31%

What these mean →

Income & expense at Cedar Hill National Bank

$630K
Interest Income
$2M
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cedar Hill National Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cedar Hill National Bank on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($16M here), outside North Carolina so the neighborhood is not state containment.

Young Americans Bank $16M · CO Thrivent Trust Company $16M · WI Grand Rivers Community Bank $17M · IL Prescott State Bank $17M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cedar Hill National Bank (FDIC Cert #34478) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Cedar Hill National Bank Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%