🏦Bank Scorer

CEDAR HILL NATIONAL BANK

CHARLOTTE, NC · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1998FDIC #34,478
Satisfactory Down

Current rating · Exam: August 2022

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 4.57%

Institution Profile

FDIC BankFind

Address

8100 Denmark Rd, CHARLOTTE, NC

County

Mecklenburg County

Established

February 2, 1998

Total Assets

$16M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 22, 2022

Exam Type

Wholesale/Limited Purpose

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$16M

Total Deposits

$2M

Net Loans

Net Income

$178K

ROA

4.57%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.30%

Risk-Based Capital

109.56%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA4.57%Peer avg: 0.44%▲ Above avg
Risk-Based Capital109.56%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$2M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

Improving

Based on last 3 exams

Exam DateRatingExam Type
Aug 2022SatisfactoryWholesale/Limited Purpose
Jul 2017OutstandingWholesale/Limited Purpose
Oct 2013Needs to ImproveWholesale/Limited Purpose

2 previous ratings locked — back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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