Cedar Hill National Bank

Headquarters

8100 Denmark Road
Charlotte, NC 28273
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Cedar Hill National Bank is an FDIC insured institution located in Charlotte, NC. It was founded in 1998 and has approximately $0.01 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34478
Date Established 1998
Assets $ 13.14 million
Loans N.A.
Deposits $ 2.00 million
Capital $ 10.44 million
 

For a more detailed analysis of Cedar Hill National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cedar Hill National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Cedar Hill National Bank
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Branches

Cedar Hill National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Cedar Hill National Bank Locations


Financial Details

Cedar Hill National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cedar Hill National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cedar Hill National Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Cedar Hill National Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,440,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Cedar Hill National Bank U.S. Bank Average
3.62% 7.80%

Cedar Hill National Bank has a Return on Equity of 3.62% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Cedar Hill National Bank U.S. Bank Average
79.46% 12.68%

Cedar Hill National Bank has a Capitalization of 79.46% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cedar Hill National Bank Balance Sheet Analysis

As of March 31, 2020, Cedar Hill National Bank had assets of $13,138,000, loans of $0, and deposits of $2,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 1.12 million
Interest-bearing balances N.A.
Total securities $ 10.88 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.14 million
     Total Assets $ 2.70 million
LIABILITIES
Total deposits $ 2.00 million
      Interest-bearing deposits $ 2.00 million
      Deposits held in domestic offices $ 2.00 million
      % insured (estimated) 12.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.70 million
      Total Liabilities $ 2.70 million
      Shareholders’ Equity $ 10.44 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.08 million
Total Interest Expense N.A.
Net interest income $ 0.08 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.53 million
Total non interest expense $ 0.49 million
Pre-tax Net Operating Income $ 0.13 million

Bank Loan Profile?

The top three loan types in Cedar Hill National Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Cedar Hill National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Cedar Hill National Bank

Branches and Savings

Is Cedar Hill National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34478.

Why does Cedar Hill National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cedar Hill National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cedar Hill National Bank a commercial bank?

Yes

Where are Cedar Hill National Bank locations?

See branch locations nearby.

Is Cedar Hill National Bank open on Saturdays?

Is Cedar Hill National Bank open on Sundays?

What time does Cedar Hill National Bank open?

What time does Cedar Hill National Bank close?

Are Cedar Hill National Bank ATMs Open 24/7?

Do Cedar Hill National Bank ATMs accept cash deposits?

Can Cedar Hill National Bank customers use other ATMs?

Do Cedar Hill National Bank branches have notaries?

Will Cedar Hill National Bank notarize my document?

What address for Cedar Hill National Bank should I put for incoming ACH transfers?

Will the Cedar Hill National Bank branch print checks?

Do Cedar Hill National Bank checks expire?

Does Cedar Hill National Bank require US citizenship to open account?

Can Cedar Hill National Bank close my account?

Does Cedar Hill National Bank Report to credit bureaus?

Does Cedar Hill National Bank Use Equifax?

What is Cedar Hill National Bank's ACH Routing Number?

What is Cedar Hill National Bank's SWIFT code?

Products

Does Cedar Hill National Bank offer mortgages?

Compare mortgage rates here.

Does Cedar Hill National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cedar Hill National Bank offer personal loans?

Compare personal loan rates here.

Does Cedar Hill National Bank offer student loans?

Will Cedar Hill National Bank cash a check?

Will Cedar Hill National Bank redeem a savings bond?

Does Cedar Hill National Bank cash savings bonds?

Will Cedar Hill National Bank cash money orders?

Can Cedar Hill National Bank issue a money order?

Does Cedar Hill National Bank do currency exchange?

Background on The Bank

Who owns Cedar Hill National Bank?

How long has Cedar Hill National Bank been around?

Can Cedar Hill National Bank transfer to other banks?

Does Cedar Hill National Bank have quick pay?

Does Cedar Hill National Bank accept rolled coins?

Will Cedar Hill National Bank accept loose change?

Where is Cedar Hill National Bank headquarters?

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