Traditions Bank
Asset quality shifted last quarter — NPLs fell to 1.10% from 1.66% in the prior period. Traditions Bank is the primary bank subsidiary of its parent holding company, headquartered in Cullman, AL. The Q1 2026 balance sheet stands at $875M in assets, including $693M in loans. Profitability tracks the broader industry — ROA 1.07%, ROE 10.62%, NIM 5.05%. Regulatory capital is solid — 13.79% CET1 and 15.04% total risk-based capital ratio. Asset quality is solid — 1.10% nonperforming loans and a 14.66% Texas Ratio. 6 branches make up the footprint.
Headquarters Profile
- Address
- 109 2nd Ave Nw, CULLMAN, AL 35055
- County
- Cullman
- Metro Area
- CULLMAN, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- August 4, 2003
- Branches
- 6 domestic
- Employees (FTE)
- 95
- FDIC Cert
- 57554
- Fed RSSD
- 3194692
- Website
- www.traditionsal.com →
- Parent Holding Company
- TRADITIONS BANCSHARES, INC. (RSSD 3194683)
Capital & Liquidity
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Traditions Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Traditions Bank
What are Traditions Bank's total assets?
As of the Q1 2026 filing, Traditions Bank reported total assets of $875.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Traditions Bank headquartered?
Traditions Bank is headquartered in CULLMAN, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Traditions Bank founded?
Traditions Bank was established in 2003, per the FDIC institution directory.
Is Traditions Bank FDIC-insured?
Yes. Traditions Bank is an FDIC-insured commercial bank (FDIC Certificate #57554). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Traditions Bank?
Traditions Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Traditions Bank's CET1 capital ratio?
Traditions Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Traditions Bank operate?
Traditions Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Traditions Bank's Texas Ratio?
Traditions Bank's Texas Ratio is 14.66% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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