Bank Comparison
Traditions Bank vs Commerceone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Traditions Bank | Commerceone Bank |
|---|---|---|
| CET1 Ratio | 13.79% | 11.32% |
| Tier 1 Capital Ratio | 13.79% | 11.32% |
| Total Capital Ratio | 15.04% | 12.32% |
| Tier 1 Leverage Ratio | 10.32% | 9.70% |
| Equity / Assets | 10.13% | 9.12% |
Profitability
| Metric | Traditions Bank | Commerceone Bank |
|---|---|---|
| Return on Assets (ROA) | 1.07% | -2.15% |
| Return on Equity (ROE) | 10.62% | -22.12% |
| Net Interest Margin (NIM) | 5.05% | 3.73% |
| Yield on Earning Assets | 7.11% | 5.91% |
| Cost of Funds | 2.18% | 2.40% |
Asset quality
| Metric | Traditions Bank | Commerceone Bank |
|---|---|---|
| Texas Ratio | 14.66% | 0.00% |
| Non-Performing Loan Ratio | 1.10% | 0.00% |
| Non-Performing Asset Ratio | 1.64% | 0.00% |
| Net Charge-Off Ratio | 1.02% | 7.00% |
| ACL / Loans | 1.30% | 1.00% |
Balance sheet
| Metric | Traditions Bank | Commerceone Bank |
|---|---|---|
| Total Assets | $875,139K | $891,744K |
| Total Deposits | $760,182K | $802,663K |
| Total Loans | $693,432K | $692,364K |
| Total Equity | $88,633K | $81,324K |
| Net Income (quarter) | $2,316K | $-4,639 |
Liquidity & funding
| Metric | Traditions Bank | Commerceone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.22% | 86.26% |
| Core Deposit Ratio | 84.59% | 99.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Traditions Bank | Commerceone Bank |
|---|---|---|
| Headquarters City | CULLMAN | BIRMINGHAM |
| Headquarters State | AL | AL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 95 | 59 |
| Established | Aug. 4, 2003, midnight | June 4, 2018, 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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