BlastPoint's Banking Scorecard
Cedar Hill National Bank
Charlotte, NC
Non-lending institution — comparison caveats apply
Cedar Hill National Bank is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
Cedar Hill National Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.79% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 5.28% above tier average
- + Net Interest Margin 0.07% above tier average
- + Efficiency Ratio 55.11% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.0M
+1.6% YoY
+3.0% QoQ
|
-$46.5M |
$62.4M
-0.0% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.6% in tier |
| Total Loans ? | $0 | -$34.9M |
$34.9M
-0.6% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.5% in tier |
| Total Deposits ? |
$2.0M
0% YoY
0% QoQ
|
-$49.6M |
$51.6M
-0.2% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.4% in tier |
| Return on Assets ? |
4.79%
+1.9% YoY
+4.7% QoQ
|
+3.79% |
1.00%
+3.5% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
Top 2.1% in tier |
| Net Interest Margin ? |
3.98%
-10.9% YoY
-2.2% QoQ
|
+0.07% |
3.91%
+2.3% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
64.28%
-1.6% YoY
-1.9% QoQ
|
-55.11% |
119.40%
+49.6% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? | - | - |
1.48%
+31.8% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.21% |
74.21%
+12.6% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
92.36%
+3.8% YoY
-15.7% QoQ
|
+65.24% |
27.13%
+3.0% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
Top 4.5% in tier |
| Non-Interest Income / Assets ? |
6.66%
+4.2% YoY
+99.7% QoQ
|
+5.28% |
1.38%
+6.3% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
Top 2.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 24.6% | 21.8% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 10.5% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 46.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 44.2% | 31.3% | n/a |
| Consumer | n/a | n/a | 7.7% | 1.6% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
92.4%
+3.4pp YoY -17.2pp QoQ |
+53.7pp | 38.7% | 22.8% | 19.7% | 92% |
| Leverage Ratio |
67.6%
+0.3pp YoY -4.3pp QoQ |
+49.9pp | 17.7% | 14.4% | 12.6% | 96% |
| Total Capital Ratio |
92.4%
+3.4pp YoY -17.2pp QoQ |
+52.7pp | 39.7% | 23.8% | 20.8% | 92% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
-2 (-10.0%) YoY -2 (-10.0%) QoQ |
+6 | 12 | 5,103 | 482 | 84% |
| Assets per Employee ($) |
$887,833
+12.9% YoY +14.4% QoQ |
-$5.3M | $6.2M | $9.4M | $8.8M | 1% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 170 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 3.36x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.7%
+0.2pp YoY +0.4pp QoQ |
+0.3pp | 6.4% | 8.7% | 11.6% | 40% |
| Cost of Funds (YTD) |
0.3%
+0.1pp YoY 0.0pp QoQ |
-1.1pp | 1.4% | 1.8% | 1.7% | 4% |
| Net Income ($, YTD) |
$376,000
+3.3% YoY — QoQ |
+$58K | $317,817 | $518.0M | $40.4M | 61% |
Get Full Access to Cedar Hill National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.