# CEDARSTONE BANK
LEBANON, TN · FDIC certificate 57684 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $369.2M | |
| Deposits | $311.2M | |
| Loans and leases | $290.5M | |
| Total equity | $31.2M | |
| Loans / deposits | 92.84% (p78 of band) | 81.53% |
| Liquid assets / assets | 17.15% (p22 of band) | |
| Uninsured deposits / deposits | 7.78% (p3 of band) | 25.77% |
| Brokered deposits | 11.27% | |
| Wholesale funding | 17.89% (p90 of band) | |
| FHLB advances / assets | 5.63% | |
| Tier 1 leverage | 8.99% (p14 of band) | 10.58% |
| Unrealized securities loss / equity | -10.70% (p40 of band) | -7.83% |
| AOCI / equity | 2.63% (p36 of band) | |
| ROA (annualized) | 0.80% (p25 of band) | 1.16% |
| Net interest margin | 2.98% (p14 of band) | 3.74% |
| Efficiency ratio | 69.62% (p69 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.37% |
| Net charge-offs (annualized) | 0.06% (p73 of band) | |
| Reserve coverage of noncurrent | 121.18% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 51.49% (p56 of band) | |
| Auto loans | $8.1M (2.79% of loans; DQ 0.74%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling | reserve under noncurrent |
| 2012-06 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2012-09 | 2 | brokered >10% | wholesale funding >15%, capital falling, reserve under noncurrent |
| 2012-12 | 3 | wholesale funding >15% |  |
| 2013-03 | 1 | capital falling | charge-offs p90, brokered >10%, wholesale funding >15% |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | wholesale funding >15% | capital falling |
| 2014-06 | 0 |  | wholesale funding >15% |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | wholesale funding >15% |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2017-06 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | capital falling, wholesale funding >15% |
| 2018-03 | 1 | wholesale funding >15% |  |
| 2018-06 | 0 |  | wholesale funding >15% |
| 2018-09 | 1 | wholesale funding >15% |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | wholesale funding >15% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | wholesale funding >15%, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | wholesale funding >15% |  |
| 2023-09 | 3 | capital falling, securities losses >30% of equity |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 4 | brokered >10% |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | uninsured deposits leaving |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 3 | uninsured deposits leaving |  |
| 2025-12 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-27 [CedarStone Bank services change over to First Financial Bank - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMivAFBVV95cUxQZDZ1aDlsMU4zSmMzSlJUSUttOWFza0FYbDh6SHBfSmVXd2dJSTRHbGRDX2x3dEFFNW5Pb3lJanJ2Y2tHeVdmSGlfRjI5UDZFTS1kYkJQaTNCbnZOMVdqWGhpM0JFQzRwVmlOYm0wMlVUcl9ISzdoRlc0YVhCMThPd1JpRHlHNUJDREF2TDJRQ0lDd211dzVZSVpXRWFhRkE0VTFkbkUyU19zd3FHVG9ieFpCbmtCZDlEQVRldw?oc=5) · Main Street Media of Tennessee
- 2026-03-03 [First Financial Indiana Completes CedarStone Bank Acquisition Deal - The Globe and Mail](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNWlNha0QxRlpCZzBXc3R2VWdhc3JVcUtLY2p5ZlB6R25VTkd6TnZaakRPbVVSbndWN3lJMEE0YXdXdi1ReHFPRFl6NEFmWW9tX0xtUkxsRmc4Vnp1aTJkQlJua0tnMk1fTi01YWhQNUxWa1BlcWZfVC0yN3pnMzRYdjU5NjZRbjBTZEJnWDVQNWtQNHVfTFNxaXNGTy1qX1hQQWtIMk9mMkV1ZHFoNGRxUjJNMmRSNFNjdUZqSm1sV0RPWjFCTU5kRE9ReHo4UXljQnl1ZHRKbmtycTVFMFg4V09vNzU?oc=5) · The Globe and Mail
- 2025-11-06 [First Financial to acquire CedarStone in $25 million cash deal - Investing.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPRE5UZEd2YzdWaFNWTS03V0l5UGR6R3NlMTI0a2V6SEd2d0FyblhIbVBYd1hNQWt6ekxXbkRWeW9HOXBMRV91Nm9pRG10SWVMMnV0Z1M2SkVlX2s5eUQ2SmFuR3gxQUJaQXJFTUx3elNzQ0xRZF9qWEo1TkJDcTFhakt1OVBtRnMtNGVrTzFUS19jeF85WFFZbDkzSU9FQU80WVhQYVJJcm9OMEE4UkFCbG85SzNPZVVsTGc?oc=5) · Investing.com
- 2025-11-06 [First Financial to acquire Tennessee bank - Inside INdiana Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOTBNMGFiejN3bE5kRGRsOXh2S2tRMm4xNzlUOEx4OTVJVkplYkptdUtfejhSUmVlV2k1bXFscG1ZNXJpWHo2TGlaUER4d3ljVjlPS0hJU2xWMDAtMUtIRFRDTDM2anBlT3N3VE0tTTZiTEVRd3paNzRNOGVIQTlXeTVlaU5iblFoLW1qYmtTYVJ4Zw?oc=5) · Inside INdiana Business
- 2025-11-07 [UPDATED: CedarStone Bank merges with Indiana-based First Financial - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNaUdEMjNibFEya2VqUlpTT1dVckJ6eTY2OEJSbHhDd2x1Vm5sQkxqc19nb2paVEV1clRZOXlHaHY0RlVOdFJiUFY5dEhUZHN3YmExSGZfZTg3ckoyeUthX3NjS0JmZmM1V3ppdWxhMjlZbVd5bDFoYXRnaUMxc2ZRMDFCNXZId2pWTWNyQkVaQVl5STVJOEM2V2prb1pjdGhfaXBIVk40SjRMbG43RjZqclZqeGYyM012?oc=5) · Main Street Media of Tennessee
- 2026-03-11 [First Financial Bank expands in Nashville - 6AM City](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSzMyd3dmUVZ2SnA2TEw2d1RLNFJPWlg2X2hHdzRoUzg1NnJZUlRvRlplRGotaXdUN0RIS2JVRmdaeDIyR0JyVUplbHlFMzZqdWI4TDFNWURwVzRQWEFZRFJZUUtlMC1aZHFvbDkyV05RUDJtbjlYNl8wbkppeXVoQzIzR0FORl9iN05uSVdHRGI?oc=5) · 6AM City
- 2025-09-14 [Kenneth Mattox Obituary - Old Hickory, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPRU9MUHdqMUJBdGd4XzI1aFhXMDBpQWg0ZUlKcGNoeDBJSXpxZlRsT0FfUVk5c1E3WUxGTjZyU202Y2pqbDI5VlVVVnVxdDljY1ZFQjBFcmd5UEhEOVBTd3VaaFF4QlFzR1hwR1VLcjIzWjc1cGE4MFNEWUFVS24zQktJbmhSSmpu?oc=5) · Dignity Memorial
- 2026-03-02 [First Financial completes $25 million acquisition of CedarStone Financial - Investing.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOOHRWS21yQzlqRV9VZGU3RS1OaHFvcUVaX2U3RmM1TS1RMGtmNHRsV0tIMmJLQmQtTEtjemJkMHA1VmhWUGl1eTZ2QVhrR0lIb3JTUG43NHdaVUdpQ2l0eTgtOUVpWHk5Q180endxZGFyTHYwS25aalplbFZUVmEtbm5zbE9rNXlxdDJXWC1yZVJmelptQ3VoMHlhOUNETGJLV09odmJ0ZkJleloxaGZ1ZUhTZzdJVWw1cTRwY2NfTnFvN1d2WWtz?oc=5) · Investing.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57684 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "57684", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide