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Traditions Bank

Cullman, AL · Cert 57554 · Traditions Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$890.9MAssets
$725.3MLoans
$756.1MDeposits
$91.1MEquity
Loan mix
72%RE $488.4M24%C&I $163.3M4%Consumer $27.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $615.7M19%Noninterest $140.5MQ2 2025Q2 2026

NIM

6.81%Q2 ’246.79%Q2 ’256.62%Q2 ’26-2%+0%

Non-interest income vs. expense

3.19%Q2 ’243.27%Q2 ’253.68%Q2 ’26+4%+18%

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.4% share · #26 of 49 inst. · $0.2B of $53.8B

16.6% Cullman
19.0% Blount
3.2% Morgan
9.8% Winston

Executive Summary

  • Earnings: ROA of 1.12%, down 24 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.80% of loans (+2 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 10.50%, up 63 bps from a year ago.
  • Funding: loans stand at 95.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+1 bps YoY

Efficiency Ratio (YTD, annualized)

68.08%+797 bps YoY

Tier 1 Leverage Ratio

10.50%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.33%1.33%1.07%1.12%-24 bps
Return on Equity14.21%13.90%13.81%10.62%11.02%-319 bps
Net Interest Margin4.71%4.74%4.72%4.71%4.73%+1 bps
Efficiency Ratio60.12%60.01%61.52%69.22%68.08%+797 bps
Non-Interest Burden2.54%2.55%2.62%3.05%3.00%+46 bps
Growth
Asset Growth (YoY)6.47%5.51%6.52%6.12%6.26%-21 bps
Loan Growth (YoY)7.79%9.90%10.98%8.01%8.32%+53 bps
Deposit Growth (YoY)6.75%5.92%7.07%5.65%3.29%-346 bps
Asset Quality
Nonperforming Loans / Loans0.78%1.24%0.54%0.86%0.80%+2 bps
Net Charge-Offs / Loans0.34%0.32%0.37%1.02%0.60%+25 bps
Allowance / Loans1.43%1.50%1.45%1.30%1.26%-17 bps
Allowance Coverage of NPLs1.8x1.2x2.7x1.5x1.6x-0.3x
Capital
Tier 1 Leverage Ratio9.87%9.85%10.03%10.32%10.50%+63 bps
Total Risk-Based Capital14.37%14.23%14.48%15.04%14.85%+48 bps
Equity / Assets9.57%9.61%10.03%10.13%10.23%+65 bps
Liquidity & Funding
Loans / Deposits91.47%92.19%93.77%91.22%95.92%+445 bps
Liquid Assets / Assets11.09%11.23%9.75%12.08%9.73%-136 bps
CRE / Total Capitaln/a208%195.26%175.68%n/an/a