The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

CedarStone Bank is proud to achieve a “Satisfactory” CRA rating from the FDIC in our most recent Performance Evaluation.

The information below is current as of April 1 of each year. Due to technical reasons, some documents are not compatible with screen readers. However, if you are interested in those documents, please contact us. We are happy to assist you.

Public Comments I & II received for the current year and the prior two calendar years as of April 1, 2023. CedarStone Bank may, at its discretion, periodically update this to include public comments received after the annual April 1 update.

CRA Performance Evaluation

Branch Locations and Hours of Operations

List of branch locations and hours of operation as of April 1, 2024.

List of branches opened or closed in:

• N/A as of April 1, 2024

Assessment Areas

• The following assessment areas represent the communities CedarStone Bank serves. Maps and Census tract information can be accessed by clicking the links below.

  Complete Assessment Area Census Tract List

  To view maps for a specific Metropolitan Statistical Area (MSA,) please click the link corresponding to the state in which the MSA is located. If the metro area crosses state boundaries, please click the “Multi-State MSAs” link.

  Tennessee

  • Davidson County

  • Wilson County

  Loan To Deposit Ratio

Products & Services

• Personal Products & Services including Banking, Borrowing and Investing.
• Business Products & Services including Lending and Managing.
• Questions regarding transaction fees or cost of services should be directed to your nearest CedarStone Bank location.

Home Mortgage Disclosure Act Notice (HDMA): 
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda) or the Federal Financial Institutions Examination Council website (https://ffiec.cfpb.gov/data-publication/disclosure-reports.)

CRA Public File Requests
CedarStone Bank can provide hard copies of the CRA Public File. Please note, we may charge a fee to cover copying and mailing expenses. Requests can be sent to sandra@cedarstonebank.com.