Bank Comparison
First Independence Bank vs Traditions Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Independence Bank | Traditions Bank |
|---|---|---|
| CET1 Ratio | — | 13.79% |
| Tier 1 Capital Ratio | — | 13.79% |
| Total Capital Ratio | — | 15.04% |
| Tier 1 Leverage Ratio | 11.10% | 10.32% |
| Equity / Assets | 9.31% | 10.13% |
Profitability
| Metric | First Independence Bank | Traditions Bank |
|---|---|---|
| Return on Assets (ROA) | 3.46% | 1.07% |
| Return on Equity (ROE) | 39.57% | 10.62% |
| Net Interest Margin (NIM) | 3.46% | 5.05% |
| Yield on Earning Assets | 5.47% | 7.11% |
| Cost of Funds | 2.14% | 2.18% |
Asset quality
| Metric | First Independence Bank | Traditions Bank |
|---|---|---|
| Texas Ratio | 7.38% | 14.66% |
| Non-Performing Loan Ratio | 1.02% | 1.10% |
| Non-Performing Asset Ratio | 0.79% | 1.64% |
| Net Charge-Off Ratio | 0.82% | 1.02% |
| ACL / Loans | 2.68% | 1.30% |
Balance sheet
| Metric | First Independence Bank | Traditions Bank |
|---|---|---|
| Total Assets | $875,011K | $875,139K |
| Total Deposits | $684,233K | $760,182K |
| Total Loans | $550,212K | $693,432K |
| Total Equity | $81,453K | $88,633K |
| Net Income (quarter) | $7,202K | $2,316K |
Liquidity & funding
| Metric | First Independence Bank | Traditions Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.41% | 91.22% |
| Core Deposit Ratio | 94.88% | 84.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Independence Bank | Traditions Bank |
|---|---|---|
| Headquarters City | DETROIT | CULLMAN |
| Headquarters State | MI | AL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 133 | 95 |
| Established | May 14, 1970, 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.
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