CedarStone Bank
Lebanon, TN
IDRSSD: 3262788
Total Assets
$369.25M
Latest filing
Total Deposits
$311.24M
Latest filing
Net Interest Margin
3.02%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
CedarStone Bank
900 W Main St
Lebanon, TN 37087
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/19/2004FDIC Certificate 419627
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CedarStone Bank (Main) | 900 W Main St | Lebanon, TN |
| NASHVILLE BRANCH | 2800 Lebanon Pike | Nashville, TN |
| MT. JULIET BRANCH | 4140 N Mount Juliet Rd | Mount Juliet, TN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/19/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37087 |
| State and County Number | 47189 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nashville-Davidson-Murfreesboro-Franklin, TN |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/19/2004 |
| Primary Insurance Agency | DIF |
| Website | www.cedarstonebank.com |
| Data Updated | 01/30/2026 |
| CERT | 57684 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $369.25M |
| Total Deposits | $311.24M |
| Total Liabilities | $338.04M |
| Total Equity Capital | $31.21M |
| Net Income | $1.26M |
| Net Loans and Leases | $288.95M |
| Assets Per Employee ($Millions) | $10.86M |
| Bank Premises and Fixed Assets | $7.86M |
| Cash and Balances due from Depository Institutions | $5.52M |
| Deposits Held in Domestic Offices | $311.24M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 16.55% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 61.58% |
| Tier 1 Risk-Based Capital Ratio | 10.721% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.453% |
| Earning Assets to total Assets | 94.11% |
Income and Expense
| Total Interest Income | $4.85M |
| Total Noninterest Income | $888.00k |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $2.14M |
| Net Interest Income | $2.58M |
| Pre-tax Net Operating Income | $1.24M |
| Provision for Credit Losses | $95.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.73M |
| Federal Funds Purchased and Repurchased Agreement | $3.66M |
| All Other Liabilities | $2.34M |
| Total Liabilities and Capital | $369.25M |
Securities
| Securities | $54.06M |
| Available-for-sale debt securities | $46.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $7.66M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CedarStone Bank?
$369.25M as of the latest filing.
How much are CedarStone Bank's total deposits?
$311.24M in total deposits.
Where is CedarStone Bank located?
Lebanon, TN.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
3.
When was it established?
04/19/2004.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$288.95M (latest filing).
What is the total interest income (latest filing)?
$4.85M.