Cedar Hill National Bank: how it compares with its peers
Against 94 U.S. banks with half to twice its assets, Cedar Hill National Bank's strongest measure in Q2 2026 is return on assets (4.79% vs. a 1.07% peer median). Its weakest relative measure is assets per employee ($888K vs. $3.4M).
| Measure | Cedar Hill National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 4.79% | 1.07% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 3.81% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.28% | 80.61% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $888K | $3.4M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 60.91% | Context |
What it means for lending operations
Its efficiency ratio of 64.28% is better than the 80.61% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Everence Trust Company Goshen, IN · $16M
- Young Americans Bank Denver, CO · $16M
- Thrivent Trust Company Appleton, WI · $15M
- Dysart State Bank Dysart, IA · $17M
Questions about Cedar Hill National Bank
How big is Cedar Hill National Bank?
Cedar Hill National Bank, established in 1998, is headquartered in Charlotte, NC. It reported $16M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Cedar Hill National Bank's return on assets?
4.79% annualized in Q2 2026, against a 1.07% median for 94 U.S. banks with half to twice its assets, ahead of 80% of them.
What is Cedar Hill National Bank's efficiency ratio?
64.28% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 80.61%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.