Cedar Hill National Bank vs Morganton Savings Bank SSB
Side-by-side bank health comparison using FDIC financial data
Cedar Hill National Bank (A) and Morganton Savings Bank SSB (A) are close on the BankHealth rubric. Asset bases: $15M versus $112M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Cedar Hill National Bank has a stronger Bank Health Score of 100/100 (A) compared to Morganton Savings Bank SSB at 98/100 (A), a difference of 2 points. Cedar Hill National Bank holds a Tier 1 capital ratio of 97.0% and an NPL ratio of 0.00%.
| Metric | Cedar Hill National Bank | Morganton Savings Bank SSB |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 97.0%* | 26.5% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 89.0%* | 29.5% |
| Return on Assets Profitability metric (above 1% is strong) | 6.3%* | 1.8% |
| Total Assets | $15M | $112M |
| Total Deposits | $2M | $71M |
| Location | Charlotte, North Carolina | Morganton, North Carolina |
Cedar Hill National Bank has a stronger Bank Health Score of 100/100 (A) compared to Morganton Savings Bank SSB at 98/100 (A), a difference of 2 points. Cedar Hill National Bank holds a Tier 1 capital ratio of 97.0% and an NPL ratio of 0.00%.