Traditions Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Traditions Bank of Cullman, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.35% | -0.18% | 43rd below |
| ROAE | 11.40% | 12.05% | -0.65% | 44th below |
| Net Interest Margin | 5.13% | 3.90% | +1.23% | 94th top |
| Efficiency Ratio | 66.79% | 63.15% | +3.64% | 35th below |
| PPNR / Avg Assets | 1.81% | 1.64% | +0.17% | 63rd above |
| Yield on Earning Assets | 7.15% | 5.65% | +1.50% | 96th top |
| Cost of Funds | 2.14% | 1.85% | +0.29% | 30th below |
| Net Interest Spread | 4.57% | 3.35% | +1.22% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 0.92% | +0.11% | 27th below |
| NPA / Total Assets | 1.29% | 0.67% | +0.62% | 15th bottom |
| NCO / Avg Loans | 0.22% | 0.15% | +0.07% | 11th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 122.37% | 1645.79% | -1523.42% | 34th below |
| Texas Ratio | 11.42% | 7.15% | +4.27% | 19th bottom |
| Provision / NCO | 54.44% | 1189.89% | -1135.45% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.60% | 20.83% | -7.23% | 35th below |
| Tier 1 Ratio | 13.60% | 20.87% | -7.27% | 34th below |
| Total Capital Ratio | 14.85% | 21.94% | -7.09% | 36th below |
| Leverage Ratio | 10.50% | 12.46% | -1.96% | 42nd below |
| Equity / Assets | 10.23% | 11.67% | -1.44% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.23% | 11.40% | -1.17% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.92% | 78.64% | +17.28% | 17th bottom |
| Core Deposit Ratio | 81.17% | 87.10% | -5.93% | 19th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.65% | 5.11% | -1.46% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 6.47% | -0.21% | 64th above |
| Loan Growth (Y/Y) | 8.32% | 7.64% | +0.68% | 67th above |
| Deposit Growth (Y/Y) | 3.29% | 6.02% | -2.73% | 45th below |
See Traditions Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Traditions Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Traditions Bank profile, how to read a UBPR, or how this data updates.