Traditions First Bank
Erin, TN · Cert 57092 · Peer group: banks under $1B in assets (n=581-629) · Traditions First Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$336.6MAssets
$257.8MLoans
$300.1MDeposits
$32.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 89 of 581).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 572 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.83%
Rank 402 of 629
Net Interest Margin
3.50%
Rank 330 of 629
Efficiency Ratio
70.47%
Rank 361 of 629
Equity / Assets
9.55%
Rank 421 of 629
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 43% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.60% | 1.01% | 1.45% | Beats 36% | 402 / 629 | |
| Return on Equity | 8.69% | 5.38% | 9.30% | 13.28% | Beats 45% | 349 / 629 | |
| Net Interest Margin | 3.50% | 3.03% | 3.54% | 4.05% | Beats 48% | 330 / 629 | |
| Efficiency Ratio | 70.47% | 58.35% | 67.79% | 79.08% | Beats 43% | 361 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.46% | 1.20% | Beats 85% | 89 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 45% | 323 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.91% | 11.24% | 13.84% | 18.77% | Beats 10% | 568 / 629 | |
| Total Risk-Based Capital Ratio | 9.91% | 11.58% | 14.43% | 19.66% | Beats 9% | 572 / 629 | |
| Equity / Assets | 9.55% | 9.09% | 10.65% | 13.80% | Beats 33% | 421 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 85.92% | 67.24% | 80.90% | 93.48% | 60th pctl | 235 / 594 | |
| Loans / Assets | 76.60% | 53.31% | 67.71% | 78.15% | 71st pctl | 185 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |