Total Assets
$16M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$2M
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$735K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
4.75%
Return on Equity (ROE)
6.65%
Efficiency Ratio
63.31%
What the numbers say about Cedar Hill National Bank
Cedar Hill National Bank is an FDIC-insured institution (Certificate #34478) headquartered in Charlotte, North Carolina, established in 1998. It holds $16M in total assets - 4,294th of 4,313 FDIC-insured banks, $2M in customer deposits, and - in net loans. Its capital position: a Tier 1 ratio of 91.87%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Cedar Hill National Bank is a community-scale institution -- 38th of 38 FDIC-insured banks headquartered in North Carolina by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in North Carolina by total assets
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.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Cedar Hill National Bank's health grade?▼
Cedar Hill National Bank receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Cedar Hill National Bank?▼
Cedar Hill National Bank holds $16M in total assets and $2M in deposits, ranking 4,294th of 4,313 FDIC-insured banks by asset size. It is headquartered in Charlotte, North Carolina.
Is my money safe at Cedar Hill National Bank?▼
Yes, deposits at Cedar Hill National Bank (Certificate #34478) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cedar Hill National Bank's Tier 1 Capital Ratio?▼
Cedar Hill National Bank has a Tier 1 Capital Ratio of 91.87%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Cedar Hill National Bank?▼
Cedar Hill National Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cedar Hill National Bank?▼
Cedar Hill National Bank has an Efficiency Ratio of 63.31%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cedar Hill National Bank's profile as a depositor or analyst.
- Cedar Hill National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cedar Hill National Bank against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.