Traditional Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Traditional Bank, Inc. is an FDIC-insured commercial bank headquartered in Mount Sterling, KY, established in 1902 (FDIC certificate 2711), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.44B, up 2.4% from Q2 2025, the 6th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2711
- Headquarters
- Mount Sterling, KY
- Established
- 1902
- Total assets, Q2 2026
- $2.44B
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 14.02%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 042101514
- Holding company
- TRADITIONAL BANCORPORATION, INC.
- Asset rank in state
- 6th of 120 in Kentucky
Traditional Bank, Inc., based in Mount Sterling, Kentucky, reported $2.4 billion in assets at June 30, 2026, up 2.4% from a year earlier. It lost 0.1% of its deposits over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.1%).
Earnings jumped: net income for the quarter was $7.5 million, 37% above the same quarter a year earlier. Over the same year, loans grew 6.8% and deposits shrank 0.1%.
As of June 30, 2026, Traditional Bank, Inc. reported a CET1 capital ratio of 14.02%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Traditional Bank, Inc. is the 6th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $2.44B, loans rose 2.4% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.9% of total loans, followed by non-owner-occupied commercial real estate loans at 25.7%. The FDIC Summary of Deposits lists 18 offices for it, in 8 cities in KY; its Lexington 5 offices book 46% of its branch deposits. On its Q2 2026 call report, Traditional Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 49 W Main St, Mount Sterling, KY 40353
- County
- Montgomery
- Metro Area
- Mount Sterling, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 1902
- Former names
- Montgomery & Traders Bank & Trust Company (1988-1997)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 278
- Domestic deposits
- $2.14B
- Allowance for credit losses
- $17.1M
- Net charge-offs (YTD)
- $229K
- Average total assets
- $2.48B
- Average total loans
- $1.67B
- Average interest-bearing deposits
- $2.00B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2711
- Fed RSSD
- 786210
- Website
- www.traditionalbank.com →
- Parent Holding Company
- TRADITIONAL BANCORPORATION, INC. (RSSD 1070420)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Traditional Bank, Inc.'s total assets ran between $2.31B (Q1 2024) and $2.46B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.44B total assets against $2.38B; $2.22B total liabilities against $2.20B.
$1.66B net loans and leases against $1.55B; $2.14B total deposits against $2.14B.
$623.4M securities against $654.1M; $55.6M cash and balances due against $75.9M.
$31.5M total interest income against $29.0M; $11.1M total interest expense against $12.8M.
$20.3M net interest income against $16.2M.
$3.1M total noninterest income against $4.4M; $12.6M total noninterest expense against $11.4M.
$330K provision for credit losses against $641K.
$7.5M net income against $5.5M.
1.20% return on assets against 0.91%; 3.48% net interest margin against 2.88%.
14.02% CET1 capital ratio against 13.90%; 10.56% tier 1 leverage ratio against 10.29%.
Inside the full Traditional Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Traditional Bank, Inc. rankings
Its closest position to the top of a national ranking is 501 of 4,196, for total assets; its furthest is 2,044 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q3 2024) to 1.20% (Q2 2026) and its net interest margin ran from 2.38% (Q3 2024) to 3.48% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.02% | 1.20% | 0.25% | 2.50% | 3.48% |
| Q1 2026 | 13.83% | 1.12% | 0.21% | 2.12% | 3.25% |
| Q4 2025 | 13.71% | 0.77% | 0.24% | 2.31% | 3.14% |
| Q3 2025 | 13.84% | 0.76% | 0.22% | 2.17% | 2.96% |
| Q2 2025 | 13.90% | 0.91% | 0.19% | 2.19% | 2.88% |
| Q1 2025 | 13.92% | 0.69% | 0.19% | 2.87% | 2.67% |
| Q4 2024 | 14.03% | 0.71% | 0.08% | 2.12% | 2.62% |
| Q3 2024 | 13.91% | 0.43% | 0.07% | 2.24% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Palumbo Branch | Lexington , KY | 40509 | $556.3M |
| Traditional Bank, Inc. (main office) | Mount Sterling , KY | 40353 | $357.5M |
| Palomar Centre Branch | Lexington , KY | 40513 | $169.8M |
| Short Street Branch | Lexington , KY | 40507 | $161.3M |
| Frankfort Branch | Frankfort , KY | 40601 | $158.5M |
| Saddlebred Branch | Shelbyville , KY | 40065 | $157.8M |
| Lexington Road Paris Branch | Paris , KY | 40361 | $125.9M |
| Tates Creek Road Branch | Lexington , KY | 40502 | $79.3M |
| Colby Rd Winchester | Winchester , KY | 40391 | $78.0M |
| Rocky Drive Banking Center Paris | Paris , KY | 40361 | $73.1M |
| Downtown Branch | Winchester , KY | 40391 | $67.4M |
| Frenchburg Branch | Frenchburg , KY | 40322 | $48.9M |
| Maysville Road Branch | Mount Sterling , KY | 40353 | $28.9M |
| Southland Drive Branch | Lexington , KY | 40503 | $26.2M |
| Montgomery Square Branch | Mount Sterling , KY | 40353 | $19.6M |
| Jeffersonville Branch | Jeffersonville , KY | 40337 | $13.4M |
| Us 127 Frankfort Branch | Frankfort , KY | 40601 | $11.9M |
| Midland Trail Branch | Mount Sterling , KY | 40353 | $7.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Structure Change | Acquired Traditional Bank of Kentucky, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1988 | Structure Change | Acquired Traders Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.7% of deposits in KY, rank 12 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 914 applications, 759 loans originated, $197.7M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $440K approved, $440K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Traditional Bank, Inc.
What are Traditional Bank, Inc.'s total assets?
As of the Q2 2026 filing, Traditional Bank, Inc. reported total assets of $2.44 billion in its FFIEC call report.
Where is Traditional Bank, Inc. headquartered?
It is headquartered in Mount Sterling, KY, United States.
When was Traditional Bank, Inc. founded?
It was established in 1902, per the FDIC institution directory.
Is Traditional Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Traditional Bank, Inc.?
Traditional Bank, Inc.'s primary federal regulator is the FDIC.
What is Traditional Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Traditional Bank, Inc. operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Traditional Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 2.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Traditional Bank, Inc. previously called?
The charter now named Traditional Bank, Inc. has also operated as Montgomery & Traders Bank & Trust Company (1988-1997), per FDIC structure-change records.
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