TRADITIONS BANK

CULLMAN, AL | Medium | Est. Aug. 4, 2003, midnight | FDIC #57554 | RSSD #3194692 | FDIC
Latest Report: 2025-12-31

TRADITIONS BANK is amn medium FDIC-insured commercial bank headquartered in CULLMAN, AL, established in Aug. 4, 2003, midnight. As of 2025-12-31, the bank reported total assets of $856M and total deposits of $745M. Profitability stands at 1.34% ROA and 13.61% ROE, with a net interest margin of 5.44%. The bank's CET1 capital ratio is 13.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 11.53%. FDIC Certificate #57554.

Assets

$856M

Deposits

$745M

Loans

$699M

Equity

$86M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 13.61%
Net Interest Margin (NIM) 5.44%
Yield on Assets 7.68%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.37%
Texas Ratio 11.53%
NPA Ratio 1.29%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 13.22%
Tier 1 Capital 13.22%
Total Capital Ratio 14.48%
Leverage Ratio 10.03%
Loan-to-Deposit 93.77%

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