Cedar Hill National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common equity tier 1 ratio dropped 17.19 percentage points in Q2 2026, from 109.56% to 92.36%. It was the largest change from Q1 2026 among the key lines here. Cedar Hill National Bank has the highest CET1 ratio of the 26 banks headquartered in North Carolina, 92.36% as of Q2 2026. Cedar Hill National Bank's CET1 ratio of 92.36% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 72.80 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 92.36% |
| Tier 1 risk-based capital ratio | 92.36% |
| Total risk-based capital ratio | 92.36% |
| Tier 1 leverage ratio | 67.56% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.9M |
| Tier 1 capital | $10.9M |
| Total risk-based capital | $10.9M |
| Total equity capital | $10.9M |
| Risk-weighted assets | $11.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 68.11% |
| Tangible equity to tangible assets | 68.11% |
| Equity capital to average assets | 67.50% |
| Internal capital growth rate | -18.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $2.3M |
| Retained earnings | $6.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 113.72% | 113.72% | 113.72% | 73.88% | $9.5M |
| Q4 2023 | 109.71% | 109.71% | 109.71% | 73.77% | $10.0M |
| Q1 2024 | 100.40% | 100.40% | 100.40% | 75.06% | $11.1M |
| Q2 2024 | 96.96% | 96.96% | 96.96% | 70.22% | $11.0M |
| Q3 2024 | 92.36% | 92.36% | 92.36% | 72.30% | $11.8M |
| Q4 2024 | 88.04% | 88.04% | 88.04% | 71.99% | $12.6M |
| Q1 2025 | 92.68% | 92.68% | 92.68% | 72.62% | $12.2M |
| Q2 2025 | 89.00% | 89.00% | 89.00% | 67.29% | $12.0M |
| Q3 2025 | 86.74% | 86.74% | 86.74% | 70.88% | $12.5M |
| Q4 2025 | 91.87% | 91.87% | 91.87% | 71.02% | $12.1M |
| Q1 2026 | 109.56% | 109.56% | 109.56% | 71.82% | $10.4M |
| Q2 2026 | 92.36% | 92.36% | 92.36% | 67.56% | $11.8M |
Cedar Hill National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Hill National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cedar Hill National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34478) · FFIEC NIC profile (RSSD 2651899)