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Traditions Bank

$100M-$1B Specialty: Commercial AL FDIC cert 57554

Cullman, AL

6 branches across AL

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 63 in AL.
  • Deposits +3.3% year over year ($756.1M on the books).
  • Delinquency rate 0.81%.
  • Return on assets 1.12%.
  • Efficiency ratio 68.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.70% 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 63 in AL
View $100M-$1B leaderboard (AL) →

Traditions Bank has 2 strengths but faces 5 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

  • + Net Interest Margin 1.11% above tier average
  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 31.7% in tier
  • - Credit Risk Growth: Bottom 31.8% in tier
  • - Margin Compression: Bottom 34.5% in tier
  • - Liquidity Strain: Bottom 47.5% in tier
  • - Efficiency Ratio 3.60% above tier average
Get updates when Traditions Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $890.9M
+6.3% YoY +1.8% QoQ
+$504.4M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Top 4.3% in tier
Total Loans ? $716.1M
+8.5% YoY +4.6% QoQ
+$457.8M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Top 1.9% in tier
Total Deposits ? $756.1M
+3.3% YoY -0.5% QoQ
+$429.4M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Top 4.2% in tier
Return on Assets ? 1.12%
-17.5% YoY +4.3% QoQ
-0.21% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 5.10%
-0.1% YoY +0.5% QoQ
+1.11% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 6.7% in tier
Efficiency Ratio ? 68.08%
+13.3% YoY -1.6% QoQ
+3.60% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.81%
+3.0% YoY -6.6% QoQ
-0.10% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 94.70%
+5.0% YoY +5.2% QoQ
+16.75% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 18.58%
-8.3% YoY +1.4% QoQ
-3.45% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 1.10%
+40.2% YoY -24.1% QoQ
+0.43% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 13.60%
+3.7% YoY -1.3% QoQ
-2.31% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.34%
-7.8% YoY +98.1% QoQ
-0.23% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
77%

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 18.6%
-1.7pp YoY
+0.3pp QoQ
 -3.6pp 22.1% 24.0% 22.2% 38%
Brokered Deposits 3.2%
-2.3pp YoY
0.0pp QoQ
 -4.7pp 7.9% 5.5% 8.5% 39%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 23.1%
+1.0pp YoY
-0.7pp QoQ
 +11.6pp 11.6% 16.9% 12.5% 92%
CRE 24.4%
-1.7pp YoY
+1.4pp QoQ
 -15.2pp 39.5% 43.5% 41.4% 26%
1-4 Family 41.8%
+0.7pp YoY
-0.6pp QoQ
 +9.1pp 32.6% 30.6% 31.3% 72%
Consumer 3.8%
-0.5pp YoY
-0.2pp QoQ
 -0.3pp 4.1% 5.7% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 13.6%
+0.5pp YoY
-0.2pp QoQ
 -5.2pp 18.8% 15.1% 19.7% 35%
Leverage Ratio 10.5%
+0.6pp YoY
+0.2pp QoQ
 -1.7pp 12.2% 13.2% 12.6% 41%
Total Capital Ratio 14.9%
+0.5pp YoY
-0.2pp QoQ
 -5.1pp 19.9% 16.2% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 93
+3 (+3.3%) YoY
-2 (-2.1%) QoQ
 +34 58 304 482 84%
Assets per Employee ($) $9.6M
+2.8% YoY
+4.0% QoQ
 +$2.1M $7.5M $6.9M $8.8M 84%
Branch Count 6
0 YoY
0 QoQ
 +1 4 20 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.8%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.9% 1.2% 1.0% 67%
Allowance Coverage 1.57x
-14.5% YoY
+4.5% QoQ
 -22.58x 24.15x 7.50x 20.23x 40%
Net Charge-off Rate (YTD) 0.6%
+0.3pp YoY
-0.4pp QoQ
 +0.5pp 0.1% 0.3% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 11.0%
-3.2pp YoY
+0.4pp QoQ
 -1.2pp 12.2% 10.0% 11.6% 43%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 73%
Net Income ($, YTD) $4.9M
-12.3% YoY
— QoQ
 +$2.3M $2.6M $17.2M $40.4M 87%

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 (0)

No matched strength signatures this quarter

Concerns (4)

Credit Quality Pressure

risk
#399 of 1256 • Bottom 31.7% in tier

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

Why this signature
Delinquency Rate: 0.81%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#299 of 936 • Bottom 31.8% 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

Margin Compression

decline
#107 of 307 • Bottom 34.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.12%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#329 of 691 • Bottom 47.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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 (5 metrics)

51
Total Loans
size
Value: $716.10M
Peer Median: $258.35M
#51 of 2643 Top 1.9% in $100M-$1B
111
Total Deposits
size
Value: $756.14M
Peer Median: $326.73M
#111 of 2643 Top 4.2% in $100M-$1B
114
Total Assets
size
Value: $890.94M
Peer Median: $386.57M
#114 of 2643 Top 4.3% in $100M-$1B
178
Net Interest Margin
profitability
Value: 5.10%
Peer Median: 3.99%
#178 of 2643 Top 6.7% in $100M-$1B
596
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#596 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (2 metrics)

2199
Loan-to-Deposit Ratio
liquidity
Value: 94.70%
Peer Median: 77.95%
#2199 of 2643 Bottom 16.8% in $100M-$1B
2163
Nonperforming Asset Ratio
credit_quality
Value: 1.10%
Peer Median: 0.67%
#2163 of 2643 Bottom 18.2% in $100M-$1B
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