CEDARSTONE BANK

LEBANON, TN | Small | RSSD #3262788
Latest Report: 2025-12-31

CEDARSTONE BANK is asn small FDIC-insured commercial bank headquartered in LEBANON, TN. As of 2025-12-31, the bank reported total assets of $369M and total deposits of $311M. Profitability stands at 1.38% ROA and 16.55% ROE, with a net interest margin of 3.09%. The bank's CET1 capital ratio is 10.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 3.78%.

Assets

$369M

Deposits

$311M

Loans

$290M

Equity

$31M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 16.55%
Net Interest Margin (NIM) 3.09%
Yield on Assets 5.80%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.08%
Texas Ratio 3.78%
NPA Ratio 0.34%
ACL / Loans 0.52%

Capital & Liquidity

CET1 Ratio 10.72%
Tier 1 Capital 10.72%
Total Capital Ratio 11.26%
Leverage Ratio 8.99%
Loan-to-Deposit 93.32%

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