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Traditions First Bank

$100M-$1B Specialty: Commercial TN FDIC cert 57092

Erin, TN

5 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +8.1% year over year ($300.1M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.84%.
  • Efficiency ratio 70.47% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Traditions First Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 16.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.8% in tier
  • - Credit Risk Growth: Bottom 37.6% in tier
  • - NIB Deposit Bleed: Bottom 72.2% in tier
  • - ROA 0.48% below tier average
  • - Net Interest Margin 0.17% below tier average
  • - Efficiency Ratio 5.99% above tier average
Get updates when Traditions First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $336.6M
+7.2% YoY -0.8% QoQ
-$50.0M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $256.0M
+9.8% YoY -1.0% QoQ
-$2.4M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $300.1M
+8.1% YoY -0.4% QoQ
-$26.7M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 0.84%
+0.8% YoY -3.8% QoQ
-0.48% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.81%
+5.9% YoY +0.6% QoQ
-0.17% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 70.47%
+0.8% YoY +1.9% QoQ
+5.99% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 0.01%
+10.8% QoQ
-0.91% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 14.9% in tier
Loan-to-Deposit Ratio ? 85.30%
+1.6% YoY -0.6% QoQ
+7.35% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 13.54%
-14.4% YoY -8.4% QoQ
-8.49% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.01%
+10.6% QoQ
-0.66% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Top 13.8% in tier
Tier 1 Capital Ratio ? 9.91%
+0.3% YoY -1.5% QoQ
-6.00% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 9.4% in tier
Non-Interest Income / Assets ? 0.15%
-11.4% YoY +77.1% QoQ
-0.42% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 13.5%
-2.3pp YoY
-1.2pp QoQ
 -8.6pp 22.1% 18.8% 22.2% 19%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 3.1%
-0.5pp YoY
-0.5pp QoQ
 -8.4pp 11.6% 10.9% 12.5% 10%
CRE 43.0%
-0.9pp YoY
-1.2pp QoQ
 +3.5pp 39.5% 42.4% 41.4% 58%
1-4 Family 48.9%
+2.2pp YoY
+1.5pp QoQ
 +16.3pp 32.6% 39.8% 31.3% 81%
Consumer 1.4%
-0.1pp YoY
+0.1pp QoQ
 -2.7pp 4.1% 4.5% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 9.9%
0.0pp YoY
-0.1pp QoQ
 -2.3pp 12.2% 11.4% 12.6% 29%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 50
+4 (+8.7%) YoY
+2 (+4.2%) QoQ
 -9 58 270 482 53%
Assets per Employee ($) $6.7M
-1.3% YoY
-4.8% QoQ
 -$787K $7.5M $7.1M $8.8M 47%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 21%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 54.12x
-8.9% QoQ
 +29.96x 24.15x 28.97x 20.23x 94%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 8.9%
-0.4pp YoY
-0.4pp QoQ
 -3.3pp 12.2% 10.9% 11.6% 30%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
+0.1pp QoQ
 +0.5pp 1.7% 2.0% 1.7% 80%
Net Income ($, YTD) $1.4M
+5.7% YoY
— QoQ
 -$1.2M $2.6M $16.7M $40.4M 39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#110 of 659 • Top 16.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#36 of 1256 • Bottom 2.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#353 of 936 • Bottom 37.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#118 of 162 • Bottom 72.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.54%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

365
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#365 of 2643 Top 13.8% in $100M-$1B
394
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#394 of 2633 Top 14.9% in $100M-$1B

Top Weaknesses (2 metrics)

2395
Tier 1 Capital Ratio
capital
Value: 9.91%
Peer Median: 15.91%
#2395 of 2643 Bottom 9.4% in $100M-$1B
2133
Non-Interest-Bearing Deposit Share
funding
Value: 13.54%
Peer Median: 22.03%
#2133 of 2643 Bottom 19.3% in $100M-$1B
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