CedarStone Bank


900 West Main Street
Lebanon, TN 37087
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.65% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.80% 0.75% →
5-Year CD 1.10% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CedarStone Bank is an FDIC insured institution located in Lebanon, TN. It was founded in 2004 and has approximately $0.27 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 57684
Date Established 2004
Assets $ 268.34 million
Loans $ 169.27 million
Deposits $ 218.54 million
Capital $ 24.93 million

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

Deposit Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CedarStone Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.534% 2.500%
0.50 points
$1,132 fees
$988 Learn More
CashCall Mortgage
NMLS ID: 128231
2.673% 2.625%
0.63 points
$1,562 fees
$1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to CedarStone Bank
To upload and update your bank's rates please register. It is free to register and add rates.


CedarStone 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:

CedarStone Bank Locations

Financial Details

CedarStone Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CedarStone 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
CedarStone Bank U.S. Bank Average
0.52% 5.29%

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, 2021, CedarStone Bank had $0 in non-current loans and $140,000 in owned real estate. To cover these potential losses it had $24,928,000 in equity and $1,967,000 in loans loss reserves. That gives it a Texas Ratio of 0.52%.

Return on Equity
CedarStone Bank U.S. Bank Average
8.62% 11.43%

CedarStone Bank has a Return on Equity of 8.62% versus the BestCashCow average of 11.43%. 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.

CedarStone Bank U.S. Bank Average
9.29% 11.51%

CedarStone Bank has a Capitalization of 9.29% versus the BestCashCow average of 11.51. 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.

CedarStone Bank Balance Sheet Analysis

As of March 31, 2021, CedarStone Bank had assets of $268,335,000, loans of $169,266,000, and deposits of $218,542,000. 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, 2021
Cash & Balances due from depository institutions $ 4.36 million
Interest-bearing balances $ 1.75 million
Total securities $ 49.07 million
Federal funds sold and reverse repurchase $ 27.79 million
Net loans and leases $ 169.27 million
Loan loss allowance $ 1.97 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles N.A.
All other assets $ 9.08 million
     Total Assets $ 243.41 million
Total deposits $ 218.54 million
      Interest-bearing deposits $ 157.84 million
      Deposits held in domestic offices $ 218.54 million
      % insured (estimated) 66.78%
Federal funds purchased and repurchase agreements $ 1.07 million
Trading liabilities N.A.
Other borrowed funds $ 21.76 million
Subordinated debt N.A.
All other liabilities $ 2.03 million
      Total Liabilities $ 243.41 million
      Shareholders’ Equity $ 24.93 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 2.45 million
Total Interest Expense $ 0.33 million
Net interest income $ 2.12 million
Provision for loan and lease losses $ 0.28 million
Total non interest income $ 0.26 million
Total non interest expense $ 1.43 million
Pre-tax Net Operating Income $ 0.68 million

Bank Loan Profile?

The top three loan types in CedarStone Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, CedarStone 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 48.02
Credit Card Loans 0.00
Consumer Auto Loans 2.44
Small Business Loans 0.00
Construction and Development Loans 1.96
Commercial Real Estate 26.83
Commercial and Industrial Loans 13.34
Farm Loans 0.11

Frequently Asked Questions About Cedarstone Bank

Branches and Savings

Is Cedarstone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57684.

Why does Cedarstone Bank pay such low interest on savings accounts?

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

Why are Cedarstone Bank CD rates not competitive?

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

Is Cedarstone Bank a commercial bank?


Where are Cedarstone Bank locations?

See branch locations nearby.

Is Cedarstone Bank open on Saturdays?

Is Cedarstone Bank open on Sundays?

What time does Cedarstone Bank open?

What time does Cedarstone Bank close?

Are Cedarstone Bank ATMs Open 24/7?

Do Cedarstone Bank ATMs accept cash deposits?

Can Cedarstone Bank customers use other ATMs?

Do Cedarstone Bank branches have notaries?

Will Cedarstone Bank notarize my document?

What address for Cedarstone Bank should I put for incoming ACH transfers?

Will the Cedarstone Bank branch print checks?

Do Cedarstone Bank checks expire?

Does Cedarstone Bank require US citizenship to open account?

Can Cedarstone Bank close my account?

Does Cedarstone Bank Report to credit bureaus?

Does Cedarstone Bank Use Equifax?

What is Cedarstone Bank's ACH Routing Number?

What is Cedarstone Bank's SWIFT code?


Does Cedarstone Bank offer mortgages?

Compare mortgage rates here.

Does Cedarstone Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cedarstone Bank offer personal loans?

Compare personal loan rates here.

Does Cedarstone Bank offer student loans?

Will Cedarstone Bank cash a check?

Will Cedarstone Bank redeem a savings bond?

Does Cedarstone Bank cash savings bonds?

Will Cedarstone Bank cash money orders?

Can Cedarstone Bank issue a money order?

Does Cedarstone Bank do currency exchange?

Background on The Bank

Who owns Cedarstone Bank?

How long has Cedarstone Bank been around?

Can Cedarstone Bank transfer to other banks?

Does Cedarstone Bank have quick pay?

Does Cedarstone Bank accept rolled coins?

Will Cedarstone Bank accept loose change?

Where is Cedarstone Bank headquarters?

Customer Reviews for CedarStone Bank

There are currently no comments for CedarStone Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →