Bank Comparison
First Commercial Bank (U.S.A) vs Traditions Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Commercial Bank (U.S.A) | Traditions Bank |
|---|---|---|
| CET1 Ratio | 29.45% | 13.79% |
| Tier 1 Capital Ratio | 29.45% | 13.79% |
| Total Capital Ratio | 30.71% | 15.04% |
| Tier 1 Leverage Ratio | 22.32% | 10.32% |
| Equity / Assets | 22.21% | 10.13% |
Profitability
| Metric | First Commercial Bank (U.S.A) | Traditions Bank |
|---|---|---|
| Return on Assets (ROA) | 1.21% | 1.07% |
| Return on Equity (ROE) | 5.47% | 10.62% |
| Net Interest Margin (NIM) | 3.61% | 5.05% |
| Yield on Earning Assets | 5.95% | 7.11% |
| Cost of Funds | 3.08% | 2.18% |
Asset quality
| Metric | First Commercial Bank (U.S.A) | Traditions Bank |
|---|---|---|
| Texas Ratio | 0.97% | 14.66% |
| Non-Performing Loan Ratio | 0.27% | 1.10% |
| Non-Performing Asset Ratio | 0.23% | 1.64% |
| Net Charge-Off Ratio | 0.00% | 1.02% |
| ACL / Loans | 1.49% | 1.30% |
Balance sheet
| Metric | First Commercial Bank (U.S.A) | Traditions Bank |
|---|---|---|
| Total Assets | $871,581K | $875,139K |
| Total Deposits | $670,130K | $760,182K |
| Total Loans | $726,553K | $693,432K |
| Total Equity | $193,604K | $88,633K |
| Net Income (quarter) | $2,630K | $2,316K |
Liquidity & funding
| Metric | First Commercial Bank (U.S.A) | Traditions Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 108.42% | 91.22% |
| Core Deposit Ratio | 66.34% | 84.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Commercial Bank (U.S.A) | Traditions Bank |
|---|---|---|
| Headquarters City | ALHAMBRA | CULLMAN |
| Headquarters State | CA | AL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 6 |
| Employees (FTE) | 101 | 95 |
| Established | May 20, 1997, midnight | Aug. 4, 2003, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Commercial Bank (U.S.A) profile | View full Traditions Bank profile | Browse all bank comparisons