Traditions Bank
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
$890.9MAssets
$725.3MLoans
$756.1MDeposits
$91.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 42 of 629).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 552 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $26.3M · efficiency ratio beats 49% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |