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Cedar Hill National Bank

Charlotte, NC · Cert 34478

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=594 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cedar Hill National Bank

Charlotte, NC · Cert 34478

National charter · OCC · 1 branch

Q2 2026

$16.0MAssets
$0KLoans
$2.0MDeposits
$10.9MEquity
Deposit mix
100%Interest-bearing $2.0M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

3.49%Q2 ’244.05%Q2 ’253.67%Q2 ’26+10%-11%

Non-interest income vs. expense

12.42%Q2 ’2410.79%Q2 ’2510.69%Q2 ’26+31%-33%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #46 of 47 inst. · $0.0B of $432.7B

Executive Summary

  • Earnings: ROA of 4.79%, up 9 bps year over year; NIM at 3.42%.
  • Capital: tier 1 leverage ratio of 67.56%, up 27 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.79%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-42 bps YoY

Efficiency Ratio (YTD, annualized)

64.28%-101 bps YoY

Tier 1 Leverage Ratio

67.56%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.70%4.37%4.75%4.57%4.79%+9 bps
Return on Equity6.59%6.12%6.65%6.30%6.74%+15 bps
Net Interest Margin3.85%3.93%3.79%3.52%3.42%-42 bps
Efficiency Ratio65.29%64.47%63.31%65.50%64.28%-101 bps
Non-Interest Burden-1.89%-2.28%-2.65%-2.19%-2.52%-63 bps
Growth
Asset Growth (YoY)7.82%1.79%1.13%1.25%1.64%-618 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio67.29%70.88%71.02%71.82%67.56%+27 bps
Total Risk-Based Capital89.00%86.74%91.87%109.56%92.36%+336 bps
Equity / Assets68.06%71.55%71.47%73.73%68.11%+5 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets19.92%16.28%17.06%31.16%23.77%+385 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cedar Hill National Bank

Charlotte, NC · Cert 34478 · Peer group: banks under $1B in assets (n=594-629)

National charter · OCC · 1 branch

Q2 2026

$16.0MAssets
$0KLoans
$2.0MDeposits
$10.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets (rank 34 of 629).
  • Widest gap: return on equity trails 68% of banks under $1B in assets (rank 425 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

4.71%

Rank 34 of 629

Net Interest Margin

3.42%

Rank 355 of 629

Efficiency Ratio

64.28%

Rank 251 of 629

Equity / Assets

68.11%

Rank 39 of 629

Non-interest income vs. expense

$2.1M$1.7MINCOMEEXPENSE
Favorable gap of $0.4M · efficiency ratio beats 60% of banks under $1B in assets
Bank 64.28%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets4.71%0.60%1.01%1.45%Beats 95%34 / 629
Return on Equity6.91%5.38%9.30%13.28%Beats 32%425 / 629
Net Interest Margin3.42%3.03%3.54%4.05%Beats 44%355 / 629
Efficiency Ratio64.28%58.35%67.79%79.08%Beats 60%251 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio92.36%11.24%13.84%18.77%Beats 94%37 / 629
Total Risk-Based Capital Ratio92.36%11.58%14.43%19.66%Beats 94%37 / 629
Equity / Assets68.11%9.09%10.65%13.80%Beats 94%39 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution