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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cullman, AL · FDIC certificate #57554
TRADITIONS BANK is an FDIC-insured institution based in Cullman, AL (FDIC certificate #57554). In its Q3 2026 Call Report it reported total assets of $895M, total deposits of $781M and net loans of $735M. Its primary federal regulator is FDIC.
Plain-language readout
TRADITIONS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $895M in Q3 2026 and were lowest at $875M in Q1 2026.
Total deposits were highest at $781M in Q3 2026 and lowest at $756M in Q2 2026.
Over the whole period total assets rose 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $895M | $781M | $735M | 1.06% | 10.59% | 5.16% |
| Q2 2026 | $891M | $756M | $716M | 1.12% | 11.02% | 5.10% |
| Q1 2026 | $875M | $760M | $684M | 1.07% | 10.62% | 5.08% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $103.6M | $117.1M | -$13.5M | -11.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $27.6M | $28.4M | -$726K | -2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $716.1M | $684.5M | +$31.6M | +4.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $21.5M | $21.7M | -$199K | -0.9% |
| Other real estate owned | $4.0M | $6.7M | -$2.7M | -40.9% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $18.2M | $16.9M | +$1.3M | +7.9% |
| Total assets | $890.9M | $875.1M | +$15.8M | +1.8% |
| Liabilities | ||||
| Total deposits | $756.1M | $760.2M | -$4.0M | -0.5% |
| Federal funds purchased | $17.0M | $0K | +$17.0M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.5M | $15.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $11.2M | $10.8M | +$353K | +3.3% |
| Total liabilities | $799.8M | $786.5M | +$13.3M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $9K | $9K | $0K | 0.0% |
| Surplus | $24.1M | $23.6M | +$444K | +1.9% |
| Retained earnings | $67.9M | $65.9M | +$2.1M | +3.1% |
| Accumulated other comprehensive income | -$888K | -$865K | -$23K | -2.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $91.1M | $88.6M | +$2.5M | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $9.8M | $12.7M | -$2.9M | -22.7% |
| Adjusted nonperforming assets | $9.8M | $12.7M | -$2.9M | -22.7% |
| Tangible equity plus allowance | $100.3M | $97.6M | +$2.7M | +2.7% |
| Texas ratio (gross) | 9.76% | 12.97% | -3.21 pts | See points |
| Texas ratio (adjusted) | 9.76% | 12.97% | -3.21 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 11.42% | 14.66% | -3.24 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.60% | 13.78% | -0.18 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.60% | 13.78% | -0.18 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.85% | 15.04% | -0.19 pts | See points |
| Tier 1 leverage (approximate) | 10.50% | 10.32% | +0.18 pts | See points |
| Construction and land loans to total capital | 76.77% | 70.85% | +5.92 pts | See points |
| Commercial real estate to total capital | 96.61% | 87.59% | +9.02 pts | See points |
| Dividend payout, year to date | 10.25% | 0.00% | +10.25 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.32% | -1.32% | +0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $613.8M | $619.0M | -$5.2M | -0.8% |
| Non-core funding | $174.8M | $156.6M | +$18.2M | +11.6% |
| Loans to core deposits | 118.16% | 112.02% | +6.14 pts | See points |
| Loans to deposits | 95.92% | 91.22% | +4.70 pts | See points |
| Brokered deposits share of deposits | 3.17% | 3.16% | +0.02 pts | See points |
| Pledged securities share of securities | 74.57% | 75.21% | -0.64 pts | See points |
| Loans pledged, share of loans | 6.55% | 6.84% | -0.29 pts | See points |
| Volatile liabilities | $174.8M | $156.6M | +$18.2M | +11.6% |
| Earnings | ||||
| Earnings before provision, year to date | $7.6M | $3.6M | +$4.0M | +110.1% |
| Earnings before provision, single quarter | $4.0M | $3.6M | +$363K | +10.1% |
| Provision for credit losses, year to date | $1.2M | $577K | +$574K | +99.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.74% | 7.72% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.64% | 3.59% | +0.05 pts | See points |
| Total interest income to average assets | 6.68% | 6.64% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 1.63% | 1.58% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.26% | 0.26% | -0.00 pts | See points |
| Cost of time deposits | 3.85% | 3.86% | -0.02 pts | See points |
| Total interest expense to average assets | 1.89% | 1.93% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $895M | $781M | $735M | 1.06% | 10.59% | 5.16% |
| 2026-06-30 | $891M | $756M | $716M | 1.12% | 11.02% | 5.10% |
| 2026-03-31 | $875M | $760M | $684M | 1.07% | 10.62% | 5.08% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $732M | 0.51% | 37 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.