Cedarstone Bank
Lebanon, TN · Cert 57684 · Peer group: banks under $1B in assets (n=495-541)
FDIC · 3 branches
Q4 2025
$369.2MAssets
$290.5MLoans
$311.2MDeposits
$31.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 49% of banks under $1B in assets (rank 276 of 541).
- Widest gap: brokered deposits / deposits trails 93% of banks under $1B in assets (rank 471 of 506).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.77%
Rank 355 of 541
Net Interest Margin
2.74%
Rank 438 of 541
Efficiency Ratio
69.62%
Rank 295 of 540
Equity / Assets
8.45%
Rank 441 of 541
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.56% | 0.97% | 1.38% | Beats 34% | 355 / 541 | | |
| Return on Equity | 9.13% | 5.68% | 9.28% | 12.43% | Beats 49% | 276 / 541 | | |
| Net Interest Margin | 2.74% | 2.87% | 3.39% | 3.85% | Beats 19% | 438 / 541 | | |
| Efficiency Ratio | 69.62% | 58.91% | 68.65% | 80.35% | Beats 46% | 295 / 540 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.07% | 0.34% | 1.07% | Beats 45% | 271 / 495 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.72% | 10.99% | 13.81% | 17.99% | Beats 21% | 427 / 541 | | |
| Total Risk-Based Capital Ratio | 11.26% | 11.43% | 14.30% | 18.80% | Beats 23% | 414 / 541 | | |
| Equity / Assets | 8.45% | 8.87% | 10.43% | 13.26% | Beats 18% | 441 / 541 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.32% | 65.07% | 79.29% | 92.66% | 77th pctl | 116 / 495 | | |
| Loans / Assets | 78.66% | 55.91% | 67.98% | 77.76% | 77th pctl | 115 / 495 | | |
| Brokered Deposits / Deposits | 13.37% | n/a | n/a | 3.32% | Beats 7% | 471 / 506 | | |