Traditional Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.62 percentage points lower than in Q1 2026, at 171.33%. Within Kentucky, Traditional Bank, Inc. is 69th of 119 on return on assets, 1.20% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Traditional Bank, Inc. sits 0.07 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.02% |
| Tier 1 risk-based capital ratio | 14.02% |
| Total risk-based capital ratio | 15.11% |
| Tier 1 leverage ratio | 10.56% |
| Equity capital to assets | 8.83% |
| Tangible equity to tangible assets | 8.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.95% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 171.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 14.02% |
| Net interest margin | 3.48% |
| Efficiency ratio | 52.88% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.26% |
| Core deposits to total deposits | 85.28% |
| Brokered deposits to total deposits | 9.90% |
| Deposits to assets | 87.73% |
| Securities to assets | 25.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.94% | 14.94% | 16.00% | 10.47% | 0.53% |
| Q4 2023 | 14.36% | 14.36% | 15.41% | 9.94% | 0.41% |
| Q1 2024 | 14.67% | 14.67% | 15.77% | 10.02% | 0.32% |
| Q2 2024 | 14.32% | 14.32% | 15.41% | 10.22% | 0.42% |
| Q3 2024 | 13.91% | 13.91% | 14.96% | 10.20% | 0.43% |
| Q4 2024 | 14.03% | 14.03% | 15.09% | 10.02% | 0.71% |
| Q1 2025 | 13.92% | 13.92% | 14.97% | 10.18% | 0.69% |
| Q2 2025 | 13.90% | 13.90% | 14.97% | 10.29% | 0.91% |
| Q3 2025 | 13.84% | 13.84% | 14.92% | 10.20% | 0.76% |
| Q4 2025 | 13.71% | 13.71% | 14.80% | 10.06% | 0.77% |
| Q1 2026 | 13.83% | 13.83% | 14.91% | 10.42% | 1.12% |
| Q2 2026 | 14.02% | 14.02% | 15.11% | 10.56% | 1.20% |
Traditional Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditional Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Traditional Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2711) · FFIEC NIC profile (RSSD 786210)