| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.0% | -1.4 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 4.79% | 0.99% | +3.8 pts |
| ROE | 6.7% | 8.1% | -1.3 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.0M | $2.0M | $0 | $10.9M | $376K | 4.79% | 3.98% | 0.00% |
| Q1 2026 | $15.5M | $2.0M | $0 | $11.4M | $178K | 4.57% | 4.07% | 0.00% |
| Q4 2025 | $15.6M | $2.0M | $0 | $11.2M | $735K | 4.75% | 4.36% | 0.00% |
| Q3 2025 | $15.3M | $2.0M | $0 | $10.9M | $506K | 4.37% | 4.45% | 0.00% |
| Q2 2025 | $15.7M | $2.0M | $0 | $10.7M | $364K | 4.70% | 4.47% | 0.00% |
| Q1 2025 | $15.3M | $2.0M | $0 | $11.3M | $165K | 4.29% | 4.65% | 0.00% |
| Q4 2024 | $15.4M | $2.0M | $0 | $11.1M | $814K | 5.40% | 4.71% | 0.00% |
| Q3 2024 | $15.0M | $2.0M | $0 | $10.9M | $564K | 5.02% | 4.63% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $10.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cedar Hill National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.79% | 0.99% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 70.8% | 35th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cedar Hill National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cedar Hill National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Cedar Hill National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cedar Hill National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cedar Hill National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $2.0M branch deposits. Biggest market: Mecklenburg, NC, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mecklenburg, NC | 1 | $2.0M | 0.00% | 53rd |
North Carolina: 164th with 0.00% · Charlotte-Concord-Gastonia metro: 74th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1