Cullman, AL · Cert 57554 · Traditions Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
21
Profitability
69
Liquidity
33
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cullman, AL · Cert 57554 · Traditions Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.4% share · #26 of 49 inst. · $0.2B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.39% | 1.38% | 1.35% | 1.33% | 1.33% | 1.07% | 1.12% | -24 bps | |
| Return on Equity | 15.47% | 15.30% | 14.50% | 14.21% | 13.90% | 13.81% | 10.62% | 11.02% | -319 bps | |
| Net Interest Margin | 4.69% | 4.64% | 4.68% | 4.71% | 4.74% | 4.72% | 4.71% | 4.73% | +1 bps | |
| Efficiency Ratio | 57.77% | 59.51% | 60.77% | 60.12% | 60.01% | 61.52% | 69.22% | 68.08% | +797 bps | |
| Non-Interest Burden | 2.40% | 2.47% | 2.56% | 2.54% | 2.55% | 2.62% | 3.05% | 3.00% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.82% | 10.99% | 8.53% | 6.47% | 5.51% | 6.52% | 6.12% | 6.26% | -21 bps | |
| Loan Growth (YoY) | 8.70% | 5.96% | 4.36% | 7.79% | 9.90% | 10.98% | 8.01% | 8.32% | +53 bps | |
| Deposit Growth (YoY) | 13.70% | 10.45% | 8.82% | 6.75% | 5.92% | 7.07% | 5.65% | 3.29% | -346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.34% | 0.50% | 0.78% | 1.24% | 0.54% | 0.86% | 0.80% | +2 bps | |
| Net Charge-Offs / Loans | 0.54% | 0.46% | 0.36% | 0.34% | 0.32% | 0.37% | 1.02% | 0.60% | +25 bps | |
| Allowance / Loans | 1.44% | 1.45% | 1.43% | 1.43% | 1.50% | 1.45% | 1.30% | 1.26% | -17 bps | |
| Allowance Coverage of NPLs | 5.1x | 4.2x | 2.8x | 1.8x | 1.2x | 2.7x | 1.5x | 1.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.48% | 9.92% | 9.87% | 9.85% | 10.03% | 10.32% | 10.50% | +63 bps | |
| Total Risk-Based Capital | 14.16% | 14.47% | 14.70% | 14.37% | 14.23% | 14.48% | 15.04% | 14.85% | +48 bps | |
| Equity / Assets | 9.11% | 9.42% | 9.56% | 9.57% | 9.61% | 10.03% | 10.13% | 10.23% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.85% | 90.46% | 89.23% | 91.47% | 92.19% | 93.77% | 91.22% | 95.92% | +445 bps | |
| Liquid Assets / Assets | 14.01% | 12.98% | 13.40% | 11.09% | 11.23% | 9.75% | 12.08% | 9.73% | -136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 195.26% | 175.68% | n/a | n/a | |
Cullman, AL · Cert 57554 · Peer group: banks under $1B in assets (n=581-629) · Traditions Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.10%
Rank 283 of 629
Net Interest Margin
4.73%
Rank 42 of 629
Efficiency Ratio
68.08%
Rank 320 of 629
Equity / Assets
10.23%
Rank 358 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.60% | 1.01% | 1.45% | Beats 55% | 283 / 629 | ||
| Return on Equity | 10.71% | 5.38% | 9.30% | 13.28% | Beats 58% | 263 / 629 | ||
| Net Interest Margin | 4.73% | 3.03% | 3.54% | 4.05% | Beats 93% | 42 / 629 | ||
| Efficiency Ratio | 68.08% | 58.35% | 67.79% | 79.08% | Beats 49% | 320 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.09% | 0.46% | 1.20% | Beats 36% | 374 / 581 | ||
| Net Charge-Offs / Loans | 0.31% | n/a | 0.01% | 0.06% | Beats 5% | 552 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.60% | 11.24% | 13.84% | 18.77% | Beats 48% | 327 / 629 | ||
| Total Risk-Based Capital Ratio | 14.85% | 11.58% | 14.43% | 19.66% | Beats 52% | 300 / 629 | ||
| Equity / Assets | 10.23% | 9.09% | 10.65% | 13.80% | Beats 43% | 358 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.92% | 67.24% | 80.90% | 93.48% | 80th pctl | 118 / 594 | ||
| Loans / Assets | 81.40% | 53.31% | 67.71% | 78.15% | 85th pctl | 97 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||