Traditions Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.11 percentage points higher than in Q1 2026, at 96.02%. On loan-to-deposit ratio, Traditions Bank ranks 9th highest among the 93 banks headquartered in Alabama, at 95.92% (Q2 2026). Traditions Bank reported 95.92% on loan-to-deposit ratio for Q2 2026, 15.08 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $725.3M |
| Net loans and leases | $716.1M |
| Loans held for sale | $0 |
| Loans to total assets | 81.40% |
| Loan-to-deposit ratio | 95.92% |
| Net loans to equity capital | 7.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.14% |
| Multifamily (5+ residential) | 0.28% |
| Commercial and industrial | 22.83% |
| Consumer | 3.72% |
| Credit cards | 0.40% |
| Farm | 6.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.02% |
| Construction concentration (Tier 1 capital + allowance) | 76.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.75% |
| Interest income on loans | $13.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $577.3M | $621.2M | 11.79% | 23.80% | 6.44% |
| Q4 2023 | $594.4M | $630.3M | 11.68% | 23.72% | 6.05% |
| Q1 2024 | $615.2M | $661.2M | 12.67% | 23.39% | 5.64% |
| Q2 2024 | $621.2M | $685.8M | 12.91% | 22.88% | 5.53% |
| Q3 2024 | $627.6M | $706.3M | 13.18% | 22.44% | 5.14% |
| Q4 2024 | $629.8M | $696.2M | 13.65% | 22.32% | 5.00% |
| Q1 2025 | $642.0M | $719.6M | 13.93% | 21.78% | 4.58% |
| Q2 2025 | $669.6M | $732.0M | 13.78% | 21.84% | 4.24% |
| Q3 2025 | $689.7M | $748.1M | 12.86% | 22.24% | 4.10% |
| Q4 2025 | $699.0M | $745.4M | 12.73% | 22.61% | 3.96% |
| Q1 2026 | $693.4M | $760.2M | 12.40% | 23.55% | 3.95% |
| Q2 2026 | $725.3M | $756.1M | 13.14% | 22.83% | 3.72% |
Traditions Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions Bank, freeSource: Call Report Schedule RC-C, 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 Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57554) · FFIEC NIC profile (RSSD 3194692)