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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.36% | 1.38% | 1.33% | 1.28% | 1.34% | 1.07% | 1.16% | -17 bps | |
| Return on Equity | 13.95% | 14.72% | 14.50% | 13.88% | 13.32% | 13.61% | 10.62% | 11.40% | -247 bps | |
| Net Interest Margin | 4.81% | 4.70% | 4.68% | 4.86% | 5.01% | 4.96% | 4.71% | 4.79% | -7 bps | |
| Efficiency Ratio | 58.36% | 64.69% | 60.77% | 59.50% | 59.81% | 65.73% | 69.22% | 66.97% | +747 bps | |
| Non-Interest Burden | 2.47% | 2.80% | 2.56% | 2.58% | 2.70% | 2.98% | 3.05% | 2.98% | +40 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 | 0.59% | 0.24% | 0.36% | 0.34% | 0.30% | 0.52% | 1.02% | 0.22% | -12 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 | |