Bank Comparison
Hertford Savings Bank, Ssb vs Cedar Hill National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 11
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Hertford Savings Bank, Ssb | Cedar Hill National Bank |
|---|---|---|
| CET1 Ratio | — | 109.56% |
| Tier 1 Capital Ratio | — | 109.56% |
| Total Capital Ratio | — | 109.56% |
| Tier 1 Leverage Ratio | 10.78% | 71.82% |
| Equity / Assets | 10.76% | 73.73% |
Profitability
| Metric | Hertford Savings Bank, Ssb | Cedar Hill National Bank |
|---|---|---|
| Return on Assets (ROA) | -0.29% | 4.47% |
| Return on Equity (ROE) | -2.72% | 6.30% |
| Net Interest Margin (NIM) | 2.91% | 3.94% |
| Yield on Earning Assets | 5.40% | 4.23% |
| Cost of Funds | 2.60% | 2.00% |
Asset quality
| Metric | Hertford Savings Bank, Ssb | Cedar Hill National Bank |
|---|---|---|
| Texas Ratio | 1.42% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.97% | — |
Balance sheet
| Metric | Hertford Savings Bank, Ssb | Cedar Hill National Bank |
|---|---|---|
| Total Assets | $20,416K | $15,522K |
| Total Deposits | $18,195K | $2,000K |
| Total Loans | $13,880K | $0 |
| Total Equity | $2,196K | $11,444K |
| Net Income (quarter) | $-15 | $178 |
Liquidity & funding
| Metric | Hertford Savings Bank, Ssb | Cedar Hill National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.28% | 0.00% |
| Core Deposit Ratio | 89.41% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hertford Savings Bank, Ssb | Cedar Hill National Bank |
|---|---|---|
| Headquarters City | HERTFORD | CHARLOTTE |
| Headquarters State | NC | NC |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 23323 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 3 | 20 |
| Established | Jan. 1, 1923, midnight | Feb. 2, 1998, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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