Cedar Hill National Bank is a national bank headquartered in Charlotte, North Carolina, in business for about 28 years. At the end of Q2 2026 it reported $16.0M in total assets and $2.0M in deposits, with 1 office.
Based on its Q2 2026 filing, Cedar Hill National Bank scores 93/100, which we describe as very strong. That is higher than 94% of 546 banks with under $100 million in assets. Among 38 banks headquartered in North Carolina, it ranks 1st. Its strongest component is capital cushion (100/100; 67.56%), and its lowest is funding & liquidity (50/100; 0% loans-to-deposits, 88% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 93).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 93 |
| Q4 2024 | 93 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 93 |
| Q4 2025 | 93 |
| Q1 2026 | 93 |
| Q2 2026 | 93 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 70.22% |
| Q3 2024 | 72.30% |
| Q4 2024 | 71.99% |
| Q1 2025 | 72.62% |
| Q2 2025 | 67.29% |
| Q3 2025 | 70.88% |
| Q4 2025 | 71.02% |
| Q1 2026 | 71.82% |
| Q2 2026 | 67.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.94% |
| Q3 2024 | 5.02% |
| Q4 2024 | 5.40% |
| Q1 2025 | 4.29% |
| Q2 2025 | 4.70% |
| Q3 2025 | 4.37% |
| Q4 2025 | 4.75% |
| Q1 2026 | 4.57% |
| Q2 2026 | 4.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $16.0M | 67.56% | 0.00% | 4.79% | 0.0% |
| Q1 2026 | 93 | $15.5M | 71.82% | 0.00% | 4.57% | 0.0% |
| Q4 2025 | 93 | $15.6M | 71.02% | 0.00% | 4.75% | 0.0% |
| Q3 2025 | 93 | $15.3M | 70.88% | 0.00% | 4.37% | 0.0% |
| Q2 2025 | 93 | $15.7M | 67.29% | 0.00% | 4.70% | 0.0% |
| Q1 2025 | 93 | $15.3M | 72.62% | 0.00% | 4.29% | 0.0% |
| Q4 2024 | 93 | $15.4M | 71.99% | 0.00% | 5.40% | 0.0% |
| Q3 2024 | 93 | $15.0M | 72.30% | 0.00% | 5.02% | 0.0% |
| Q2 2024 | 93 | $14.6M | 70.22% | 0.00% | 4.94% | 0.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hertford Savings Bank, SSBBank Hertford, NC | 65 out of 100, Moderate | $20.7M | 10.6% | 0.22% | vs |
| Jackson Savings Bank, SSBBank Sylva, NC | 76 out of 100, Strong | $31.9M | 23.0% | 0.49% | vs |
| Black Mountain Savings Bank, SSBBank Black Mountain, NC | 71 out of 100, Strong | $43.0M | 12.0% | 0.00% | vs |
| Tarboro Savings Bank, SSBBank Tarboro, NC | 61 out of 100, Moderate | $54.1M | 11.3% | 0.66% | vs |
| First Savings and Loan AssociationBank Mebane, NC | 81 out of 100, Strong | $55.9M | 23.9% | 0.23% | vs |
| Riverside Savings Bank, SSBBank Roanoke Rapids, NC | 84 out of 100, Strong | $94.5M | 18.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Cedar Hill National Bank?
Yes. Cedar Hill National Bank is an FDIC-insured institution (FDIC certificate #34478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 87.5% of deposits ($1.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 67.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 92.36% (benchmark: 10%).
1 location
Branches
Cedar Hill National Bank lists 1 office in 1 city. Most locations:
- Charlotte, NC (1)
Identity & history
Profile
- Legal name
- Cedar Hill National Bank
- Type
- National bank
- FDIC certificate #
- 34478
- RSSD ID
- 2651899
- Primary regulator
- OCC
- Established
- February 2, 1998
- Headquarters
- 8100 Denmark Rd, Charlotte, NC 28273
- Employees
- 18
Quick answers
Cedar Hill National Bank: common questions
Is Cedar Hill National Bank FDIC insured?
Yes. Cedar Hill National Bank is an FDIC-insured institution (FDIC certificate #34478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cedar Hill National Bank's TellerScore?
93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cedar Hill National Bank ever failed?
There is no failure record for FDIC certificate #34478 in the FDIC failed bank list.
How many branches does Cedar Hill National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Charlotte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Allvac Savings and Credit UnionCredit union Monroe, NC | 90 out of 100, Very strong | $9.5M | 17.6% | 0.09% | vs |
| Farmers & Merchants BankBank Granite Quarry, NC | 90 out of 100, Very strong | $998.8M | 15.3% | 0.79% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |
| Carolinas Telco Federal Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $506.3M | 15.1% | 0.91% | vs |