Erin, TN · Cert 57092 · Traditions First Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 1.4% share · #14 of 19 inst. · $0.1B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.82% | 0.85% | 0.87% | 0.80% | -6 bps | |
| Return on Equity | 9.43% | 8.88% | 9.14% | 9.29% | 8.50% | -93 bps | |
| Net Interest Margin | 3.42% | 3.52% | 3.57% | 3.59% | 3.52% | +10 bps | |
| Efficiency Ratio | 69.68% | 70.99% | 66.69% | 69.16% | 71.78% | +210 bps | |
| Non-Interest Burden | 2.29% | 2.42% | 2.32% | 2.38% | 2.46% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.64% | 6.16% | 2.23% | 5.15% | 7.23% | +359 bps | |
| Loan Growth (YoY) | 6.85% | 6.62% | 6.37% | 11.37% | 9.69% | +284 bps | |
| Deposit Growth (YoY) | 2.68% | 6.67% | 2.11% | 5.69% | 8.05% | +537 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.06% | 0.00% | 0.05% | +5 bps | |
| Allowance / Loans | 0.78% | 0.75% | 0.71% | 0.71% | 0.71% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 59.4x | 54.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.88% | 9.91% | 9.79% | 10.06% | 9.91% | +3 bps | |
| Total Risk-Based Capital | 9.88% | 9.91% | 9.79% | 10.06% | 9.91% | +3 bps | |
| Equity / Assets | 9.41% | 9.13% | 9.54% | 9.25% | 9.55% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.63% | 83.21% | 89.09% | 86.47% | 85.92% | +128 bps | |
| Liquid Assets / Assets | 4.00% | 4.74% | 0.78% | 4.75% | 2.37% | -163 bps | |
| CRE / Total Capital | n/a | 322% | 349% | 344% | n/a | n/a | |