Traditions Bank
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Data as of · sourced from FFIEC call reports. How we update
Traditions Bank is an FDIC-insured commercial bank headquartered in Cullman, AL, established in 2003 (FDIC certificate 57554), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $890.9M, up 6.3% from Q2 2025, the 21st largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 13.60% 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
- 57554
- Headquarters
- Cullman, AL
- Established
- 2003
- Total assets, Q2 2026
- $890.9M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 13.60%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 062206457
- Holding company
- TRADITIONS BANCSHARES, INC.
- Asset rank in state
- 21st of 93 in Alabama
Traditions Bank earns an unusually wide margin on its lending. Its balance sheet stood at $891 million at June 30, 2026, up 6.3% from a year earlier; it is based in Cullman, Alabama. It keeps 5.13 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 9.8% of the capital and reserves that would absorb them, 3.7 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 8.3% and deposits rose 3.3%.
As of June 30, 2026, Traditions Bank reported a CET1 capital ratio of 13.60%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 9.76%. The figures come from its call report filed with the FFIEC.
Traditions Bank ranks as the 21st largest of the 93 banks based in Alabama, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $890.9M, loans rose 4.6% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.2% of total loans, followed by commercial and industrial loans at 22.8%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in AL; its Cullman office books 46% of its branch deposits. By the capital ratios in its Q2 2026 call report, Traditions Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 4, 2003
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $756.1M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $876.5M
- Average total loans
- $703.0M
- Average interest-bearing deposits
- $618.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 4, 2003
- FDIC Cert
- 57554
- Fed RSSD
- 3194692
- Website
- www.traditionsal.com →
- Parent Holding Company
- TRADITIONS BANCSHARES, INC. (RSSD 3194683)
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, Traditions Bank's total assets ran between $713.6M (Q3 2023) and $890.9M (Q2 2026), 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
$890.9M total assets against $838.5M; $799.8M total liabilities against $758.2M.
$716.1M net loans and leases against $660.0M; $756.1M total deposits against $732.0M.
$27.6M securities against $27.0M; $103.6M cash and balances due against $111.4M.
$14.6M total interest income against $14.4M; $4.1M total interest expense against $4.3M.
$10.5M net interest income against $10.1M.
$1.5M total noninterest income against $1.6M; $8.0M total noninterest expense against $6.9M.
$574K provision for credit losses against $1.1M.
$2.6M net income against $2.8M.
1.17% return on assets against 1.33%; 5.13% net interest margin against 5.17%.
13.60% CET1 capital ratio against 13.11%; 10.50% tier 1 leverage ratio against 9.87%.
Inside the full Traditions Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTraditions Bank rankings
Its closest position to the top of a national ranking is 662 of 3,640, for Texas Ratio; its furthest is 2,498 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q1 2026) to 1.39% (Q1 2025) and its net interest margin ran from 5.00% (Q4 2024) to 5.38% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.60% | 1.17% | 0.80% | 9.76% | 5.13% |
| Q1 2026 | 13.79% | 1.07% | 0.86% | 12.97% | 5.05% |
| Q4 2025 | 13.22% | 1.32% | 0.54% | 11.53% | 5.29% |
| Q3 2025 | 12.97% | 1.28% | 1.24% | 11.27% | 5.38% |
| Q2 2025 | 13.11% | 1.33% | 0.78% | 7.31% | 5.17% |
| Q1 2025 | 13.45% | 1.39% | 0.50% | 5.07% | 5.00% |
| Q4 2024 | 13.22% | 1.36% | 0.34% | 3.52% | 5.00% |
| Q3 2024 | 12.90% | 1.26% | 0.28% | 2.83% | 5.11% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Traditions Bank (main office) | Cullman , AL | 35055 | $347.1M |
| Hayden Branch | Warrior , AL | 35180 | $194.4M |
| Priceville Branch | Decatur , AL | 35603 | $91.5M |
| Dodge City Branch | Hanceville , AL | 35077 | $48.4M |
| Arley Branch | Arley , AL | 35541 | $44.5M |
| Holly Pond Office | Holly Pond , AL | 35083 | $30.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in AL, rank 36 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 245 applications, 238 loans originated, $53.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Traditions Bank
What are Traditions Bank's total assets?
As of the Q2 2026 filing, Traditions Bank reported total assets of $890.9 million in its FFIEC call report.
Where is Traditions Bank headquartered?
It is headquartered in Cullman, AL, United States.
When was Traditions Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Traditions Bank FDIC-insured?
Yes. It 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.
What is Traditions Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Traditions Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Traditions Bank's Texas Ratio?
Its Texas Ratio is 9.76% 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.
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