🏦Bank Scorer

This institution is no longer active

Operations ceased on March 1, 2026. CRA examination history below reflects the period it was active.

CEDARSTONE BANK

LEBANON, TN · Supervised by FDIC

Est. 2004FDIC #57,684RSSD: FDIC-57684
Part ofCEDARSTONE FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

900 W Main St, LEBANON, TN

County

Wilson County

Established

April 19, 2004

Total Assets

$369M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$369M

Total Deposits

$311M

Net Loans

$289M

Net Income

$3M

ROA

0.80%

ROE

9.75%

Risk-Based Capital

11.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.55%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$305M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246690.91%4.55%
20236190.16%4.92%
20199379.57%9.68%
20187993.67%3.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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