Cedar Hill National Bank
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Data as of · sourced from FFIEC call reports. How we update
Cedar Hill National Bank is an FDIC-insured commercial bank headquartered in Charlotte, NC, established in 1998 (FDIC certificate 34478), and it is supervised by the OCC. At Q2 2026 it reported total assets of $16.0M, up 1.6% from Q2 2025, the 38th largest of 38 banks headquartered in North Carolina.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34478
- Headquarters
- Charlotte, NC
- Established
- 1998
- Total assets, Q2 2026
- $16.0M
- Assets vs Q2 2025
- +1.6%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 053012906
- Latest call report
- Q2 2026, FFIEC 051 · Cedar Hill National Bank call report
- Holding company
- CATO CORPORATION, THE
- Asset rank in state
- 38th of 38 in North Carolina
Cedar Hill National Bank is one of the more profitable banks of its size. The Charlotte, North Carolina bank had $16 million in assets at June 30, 2026, up 1.6% from a year earlier. It earns about $4.91 a year on every $100 of assets, 4.6 times the median of $1.06 for the 583 banks with less than $100 million in assets. It also funds 67.56% of its assets with Tier 1 capital, 5.2 times the median of 13.06% for banks its size.
As of June 30, 2026, Cedar Hill National Bank reported a CET1 capital ratio of 92.36%, a return on assets of 4.91% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cedar Hill National Bank is the smallest of the 38 banks headquartered in North Carolina. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.0% to $16.0M, deposits were flat. The FDIC Summary of Deposits lists a single office for it, in Charlotte, NC. Judged on its Q2 2026 call report, Cedar Hill National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8100 Denmark Rd, Charlotte, NC 28273
- County
- Mecklenburg
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 2, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $2.0M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $16.1M
- Average total loans
- $0
- Average interest-bearing deposits
- $2.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 2, 1998
- FDIC Cert
- 34478
- Fed RSSD
- 2651899
- SEC CIK
- 18255 → filed by CATO CORPORATION, THE
- Parent Holding Company
- CATO CORPORATION, THE (RSSD 1640588) · CATO
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cedar Hill National Bank's total assets ranged from $14.6M (Q2 2024) to $16.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$16.0M total assets against $15.7M; $5.1M total liabilities against $5.0M.
$0 net loans and leases against $0; $2.0M total deposits against $2.0M.
$10.3M securities against $10.8M; $4.1M cash and balances due against $3.4M.
$146K total interest income against $158K; $10K total interest expense against $10K.
$136K net interest income against $148K.
$547K total noninterest income against $535K; $431K total noninterest expense against $438K.
No provision recorded in the last 12 quarters.
$198K net income against $199K.
4.91% return on assets against 5.02%; 3.76% net interest margin against 4.15%.
92.36% CET1 capital ratio against 89.00%; 67.56% tier 1 leverage ratio against 67.29%.
Inside the full Cedar Hill National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.70% (Q3 2025) to 6.48% (Q4 2024) and its net interest margin ran from 3.76% (Q2 2026) to 4.75% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 92.36% | 4.91% | — | 0.00% | 3.76% |
| Q1 2026 | 109.56% | 4.47% | — | 0.00% | 3.94% |
| Q4 2025 | 91.87% | 5.85% | — | 0.00% | 4.00% |
| Q3 2025 | 86.74% | 3.70% | — | 0.00% | 4.32% |
| Q2 2025 | 89.00% | 5.02% | — | 0.00% | 4.15% |
| Q1 2025 | 92.68% | 4.25% | — | 0.00% | 4.51% |
| Q4 2024 | 88.04% | 6.48% | — | 0.00% | 4.75% |
| Q3 2024 | 92.36% | 5.17% | — | 0.00% | 4.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cedar Hill National Bank (main office) | Charlotte , NC | 28273 | $2.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 82 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cedar Hill National Bank
What are Cedar Hill National Bank's total assets?
As of the Q2 2026 filing, Cedar Hill National Bank reported total assets of $16.0 million in its FFIEC call report.
Where is Cedar Hill National Bank headquartered?
It is headquartered in Charlotte, NC, United States.
When was Cedar Hill National Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Cedar Hill National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Hill National Bank?
Cedar Hill National Bank's primary federal regulator is the OCC.
What is Cedar Hill National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 92.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cedar Hill National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cedar Hill National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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