BlastPoint's Banking Scorecard
Cedar Hill National Bank
Micro
Specialty: Other
NC
FDIC cert 34478
Charlotte, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Cedar Hill National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.67% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 13.24% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.6M
+1.1% YoY
+2.2% QoQ
|
-$201.9M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$2.0M
0% YoY
0% QoQ
|
-$181.7M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
4.75%
-12.0% YoY
+8.7% QoQ
|
+3.67% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.36%
-7.4% YoY
-1.9% QoQ
|
+0.51% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
63.31%
-0.7% YoY
-1.8% QoQ
|
-4.42% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
91.87%
+4.3% YoY
+5.9% QoQ
|
+83.01% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
13.80%
-6.5% YoY
+35.0% QoQ
|
+13.24% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.75%
(Tier avg: 1.08%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
13.80%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 4.75% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Non-Interest Income / Assets
Current: 13.80% · Tier avg: 0.56%
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
58
58th pctile
Efficiency Ratio
Current: 63.31% · Tier avg: 67.73%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $2.0M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $15.6M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $15.6M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $2.0M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
58
58th pctile
Efficiency Ratio
Current: 63.31% · Tier avg: 67.73%
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
100
100th pctile
Non-Interest Income / Assets
Current: 13.80% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Return on Assets
Current: 4.75% · Tier avg: 1.08%