Question 1

What is CedarStone Bank?

Accepted Answer

CedarStone Bank is a community-focused commercial bank headquartered in Lebanon, Tennessee, with approximately $358 million in total assets. Operating within the Nashville-Davidson-Murfreesboro-Franklin metropolitan statistical area, the bank serves customers throughout Wilson and Davidson counties with a commitment to simple, relationship-based banking.

The bank operates as a subsidiary of CedarStone Financial, Inc., a bank holding company. CedarStone Bank emphasizes personalized service combined with modern banking technology, positioning itself as a local banking alternative that takes the time to understand individual customer needs and tailor services accordingly.

Question 2

When was CedarStone Bank founded?

Accepted Answer

CedarStone Bank was established in 2002 as a community bank serving the greater Nashville region. The bank was founded with the philosophy of "Simple Banking, Simply Better," focusing on providing warm, welcoming service with friendly, experienced bankers and superior financial services.

CedarStone Financial, Inc., the bank's holding company, was incorporated in Tennessee and maintains oversight of the banking operations. The institution has grown steadily since its founding, expanding its presence across the Nashville metropolitan area while maintaining its community banking focus.

Question 3

Where is CedarStone Bank headquartered?

Accepted Answer

CedarStone Bank is headquartered at 900 West Main Street, Lebanon, Tennessee, 37087. This location serves as both the corporate headquarters and a full-service branch office for customers in Wilson County.

Question 4

Where does CedarStone Bank operate?

Accepted Answer

CedarStone Bank operates three full-service branch locations in the Nashville metropolitan area. The Lebanon Branch (headquarters) is located at 900 West Main Street in Lebanon, serving Wilson County customers.

The Mount Juliet Branch operates at 4140 North Mount Juliet Road in Mount Juliet, also in Wilson County. The Donelson Branch is located at 2800 Lebanon Road in Nashville, Davidson County, extending the bank's reach into the Nashville market.

All branches offer both lobby and drive-through services with extended hours, including Saturday morning availability. The geographic positioning allows CedarStone Bank to serve the growing communities east of Nashville while maintaining convenient access for customers throughout the region.

Question 5

What services does CedarStone Bank offer?

Accepted Answer

CedarStone Bank provides comprehensive personal and business banking services. Personal banking includes a range of checking and savings accounts, certificates of deposit, individual retirement accounts (IRAs), consumer loans, and residential mortgage products.

Business banking services represent a key focus area, with transaction accounts, commercial lending options, lines of credit, equipment financing, commercial real estate loans, and treasury management solutions. The bank works closely with business owners to understand their needs and provide customized banking solutions that support growth and success.

Digital banking platforms include robust online banking services and mobile banking applications, allowing customers to manage accounts, transfer funds, pay bills, and deposit checks remotely. The bank balances technological convenience with the availability of in-person service at branch locations.

Additional services include debit cards with same-day issuance capability, wire transfers, remote deposit capture for businesses, cash management services, and night deposit facilities. The bank emphasizes its flexibility to tailor services to meet individual customer requirements rather than forcing customers into standardized products.

Question 6

What makes CedarStone Bank unique?

Accepted Answer

CedarStone Bank distinguishes itself through its tagline and philosophy: "Simple Banking, Simply Better." This approach emphasizes straightforward banking relationships without unnecessary complexity, combined with warm, personal service from experienced bankers who genuinely appreciate customer business.

As a locally-based bank, CedarStone maintains decision-making authority within the community, enabling faster responses to customer needs and greater flexibility in structuring loans and services. The bank's leadership includes local business owners and community members who understand regional economic dynamics and customer needs.

The institution's board of directors reflects deep community ties, with members engaged in various local businesses including bread manufacturing, construction, accounting, real estate development, and healthcare. This diverse business perspective informs the bank's approach to serving commercial customers across multiple industries.

CedarStone Bank prioritizes getting to know customers personally, taking time to understand their financial situations and goals. This relationship-focused approach allows the bank to provide truly customized solutions rather than one-size-fits-all products.

Question 7

What type of financial institution is CedarStone Bank?

Accepted Answer

CedarStone Bank is a state-chartered commercial bank regulated by the FDIC. The bank operates under a Tennessee state charter and is not a member of the Federal Reserve System.

As a community bank with commercial lending specialization, CedarStone focuses on relationship banking for both personal and business customers within its market area. The bank is organized as a wholly-owned subsidiary of CedarStone Financial, Inc., a bank holding company that provides oversight and strategic direction while allowing the bank to maintain its community-focused operations in the Nashville metropolitan region.

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About CedarStone Bank in the United States