BlastPoint's Banking Scorecard

Traditions Bank

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

Cullman, AL

6 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

Traditions Bank has 1 strength but faces 4 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 1.15% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 23.0% in tier
- Liquidity Strain: Bottom 29.9% in tier
- Credit Risk Growth: Bottom 47.4% in tier
- Cost Spiral: Bottom 83.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$875.1M +6.1% YoY +2.2% QoQ	+$489.1M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 4.8% in tier
Total Loans ?	$684.5M +8.2% YoY -0.6% QoQ	+$428.7M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Top 3.0% in tier
Total Deposits ?	$760.2M +5.6% YoY +2.0% QoQ	+$432.2M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 4.2% in tier
Return on Assets ?	1.07% -22.2% YoY -19.6% QoQ	-0.20%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	5.08% +1.8% YoY -3.3% QoQ	+1.15%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 6.1% in tier
Efficiency Ratio ?	69.22% +13.9% YoY +12.5% QoQ	+3.94%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.87% +71.0% YoY +58.5% QoQ	-0.02%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	90.04% +2.4% YoY -2.6% QoQ	+13.40%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	18.32% -7.1% YoY +9.0% QoQ	-3.70%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	1.45% +167.1% YoY +11.9% QoQ	+0.81%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Bottom 12.0% in tier
Tier 1 Capital Ratio ?	13.78% +2.5% YoY +4.3% QoQ	-2.05%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.17% -5.3% YoY -77.3% QoQ	-0.11%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Margin Compression

decline

#71 of 305 • Bottom 23.0% 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: 1.07%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Strain

risk

#193 of 643 • Bottom 29.9% 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: 90.04%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#462 of 973 • Bottom 47.4% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Cost Spiral

risk

#106 of 126 • Bottom 83.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 69.22%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $684.45M

Peer Median: $255.72M

#80 of 2664 Top 3.0% in $100M-$1B

112

Total Deposits

size

Value: $760.18M

Peer Median: $327.97M

#112 of 2664 Top 4.2% in $100M-$1B

129

Total Assets

size

Value: $875.14M

Peer Median: $386.08M

#129 of 2664 Top 4.8% in $100M-$1B

163

Net Interest Margin

profitability

Value: 5.08%

Peer Median: 3.93%

#163 of 2664 Top 6.1% in $100M-$1B

559

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#559 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2344

Nonperforming Asset Ratio

credit_quality

Value: 1.45%

Peer Median: 0.64%

#2344 of 2664 Bottom 12.0% in $100M-$1B

2024

Loan-to-Deposit Ratio

liquidity

Value: 90.04%

Peer Median: 76.64%

#2024 of 2664 Bottom 24.1% in $100M-$1B