Is Cedar Hill National Bank Well Capitalized?
Cedar Hill National Bank (FDIC cert #34478) reports a Tier 1 capital ratio of 96.96%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Cedar Hill National Bank carries 88.96 percentage points of cushion above the floor.
This page answers a common banking-safety question: Is Cedar Hill National Bank Well Capitalized?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Cedar Hill National Bank Capital Position
- Tier 1 capital ratio
- 96.96%
- Regulatory status
- well capitalized
- Well-capitalized floor
- 8.00%
- Cushion vs. floor
- +88.96 pts
- Capital factor score
- 100/100
Source: FDIC Call Report data (cert #34478). Regulatory categories follow federal prompt-corrective-action thresholds.
Cedar Hill National Bank's Tier 1 capital ratio of 96.96% sits comfortably above the 8% "well-capitalized" threshold and clears the stricter 10% floor many community banks target — a strong core-equity cushion against loan losses. Tier 1 capital is the loss-absorbing equity that stands between a bank's depositors and its credit risk, which is why regulators weight it so heavily — and why BankHealth assigns it 35% of the composite score (this factor scores 100/100 for Cedar Hill National Bank).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 96.96% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 88.99% | 100/100 |
| Return on Assets | 6.31% | 100/100 |
| Total Assets | $0.0B | |
How does Cedar Hill National Bank compare?
With a Bank Health Score of 100/100, Cedar Hill National Bank sits 30.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, Cedar Hill National Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 96.96% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Cedar Hill National Bank's Bank Health Score held roughly steady at 100/100. Tier 1 capital weakened by 16.76 percentage points to 96.96%.
Frequently Asked Questions
Cedar Hill National Bank (FDIC cert #34478) reports a Tier 1 capital ratio of 96.96%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Cedar Hill National Bank carries 88.96 percentage points of cushion above the floor.
The Tier 1 capital ratio measures a bank's core equity capital as a percentage of its risk-weighted assets. It is the single most important regulatory gauge of whether a bank can absorb losses without failing. Federal regulators consider 8% or higher "well-capitalized," and many community banks target 10%+. Cedar Hill National Bank's ratio of 96.96% places it in the "well capitalized" regulatory category.
"Well capitalized" is a federal regulatory status (Tier 1 capital ratio of 8% or more) signaling that a bank holds enough equity to absorb unexpected loan losses. Cedar Hill National Bank meets this bar at 96.96%, the strongest of the federal capital categories. For depositors, insured balances (up to $250,000 per ownership category) are protected by the FDIC regardless of a bank's capital status — strong capital primarily reduces the odds of failure in the first place.
Cedar Hill National Bank's Bank Health Score of 100/100 is 27.0 points above the North Carolina state average of 73/100. 36 FDIC-insured banks are headquartered in North Carolina.
Yes. Cedar Hill National Bank (FDIC certificate #34478) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Cedar Hill National Bank
Cedar Hill National Bank (FDIC cert #34478) reports a Tier 1 capital ratio of 96.96%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Cedar Hill National Bank carries 88.96 percentage points of cushion above the floor.