Cedar Hill National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in CET1 capital ratio: 17.19 percentage points lower than in Q1 2026, at 92.36%. Cedar Hill National Bank has the highest return on assets of the 38 banks headquartered in North Carolina, 4.91% as of Q2 2026. Cedar Hill National Bank's return on assets of 4.91% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 3.93 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 92.36% |
| Tier 1 risk-based capital ratio | 92.36% |
| Total risk-based capital ratio | 92.36% |
| Tier 1 leverage ratio | 67.56% |
| Equity capital to assets | 68.11% |
| Tangible equity to tangible assets | 68.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.91% |
| Return on equity | 7.09% |
| Net interest margin | 3.76% |
| Efficiency ratio | 63.10% |
| Yield on earning assets | 4.04% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 12.51% |
| Securities to assets | 64.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 113.72% | 113.72% | 113.72% | 73.88% | 4.59% |
| Q4 2023 | 109.71% | 109.71% | 109.71% | 73.77% | 5.30% |
| Q1 2024 | 100.40% | 100.40% | 100.40% | 75.06% | 4.27% |
| Q2 2024 | 96.96% | 96.96% | 96.96% | 70.22% | 5.56% |
| Q3 2024 | 92.36% | 92.36% | 92.36% | 72.30% | 5.17% |
| Q4 2024 | 88.04% | 88.04% | 88.04% | 71.99% | 6.48% |
| Q1 2025 | 92.68% | 92.68% | 92.68% | 72.62% | 4.25% |
| Q2 2025 | 89.00% | 89.00% | 89.00% | 67.29% | 5.02% |
| Q3 2025 | 86.74% | 86.74% | 86.74% | 70.88% | 3.70% |
| Q4 2025 | 91.87% | 91.87% | 91.87% | 71.02% | 5.85% |
| Q1 2026 | 109.56% | 109.56% | 109.56% | 71.82% | 4.47% |
| Q2 2026 | 92.36% | 92.36% | 92.36% | 67.56% | 4.91% |
Cedar Hill National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Hill National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)