Bank Comparison
Ks Bank, INC. vs Traditions Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Ks Bank, INC. | Traditions Bank |
|---|---|---|
| CET1 Ratio | — | 13.79% |
| Tier 1 Capital Ratio | — | 13.79% |
| Total Capital Ratio | — | 15.04% |
| Tier 1 Leverage Ratio | 8.60% | 10.32% |
| Equity / Assets | 7.69% | 10.13% |
Profitability
| Metric | Ks Bank, INC. | Traditions Bank |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.07% |
| Return on Equity (ROE) | 16.28% | 10.62% |
| Net Interest Margin (NIM) | 3.90% | 5.05% |
| Yield on Earning Assets | 6.02% | 7.11% |
| Cost of Funds | 2.26% | 2.18% |
Asset quality
| Metric | Ks Bank, INC. | Traditions Bank |
|---|---|---|
| Texas Ratio | 1.91% | 14.66% |
| Non-Performing Loan Ratio | 0.13% | 1.10% |
| Non-Performing Asset Ratio | 0.16% | 1.64% |
| Net Charge-Off Ratio | -0.01% | 1.02% |
| ACL / Loans | 0.77% | 1.30% |
Balance sheet
| Metric | Ks Bank, INC. | Traditions Bank |
|---|---|---|
| Total Assets | $873,103K | $875,139K |
| Total Deposits | $800,025K | $760,182K |
| Total Loans | $692,854K | $693,432K |
| Total Equity | $67,176K | $88,633K |
| Net Income (quarter) | $2,707K | $2,316K |
Liquidity & funding
| Metric | Ks Bank, INC. | Traditions Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.60% | 91.22% |
| Core Deposit Ratio | 94.20% | 84.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ks Bank, INC. | Traditions Bank |
|---|---|---|
| Headquarters City | SMITHFIELD | CULLMAN |
| Headquarters State | NC | AL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 6 |
| Employees (FTE) | 103 | 95 |
| Established | Jan. 1, 1924, 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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