Traditions Bank: 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.
Loan-to-deposit ratio climbed 4.70 percentage points in Q2 2026, from 91.22% to 95.92%. It was the largest change from Q1 2026 among the key lines here. Traditions Bank ranks 42nd of 93 Alabama banks on return on assets, in the upper half at 1.17% (Q2 2026). Traditions Bank reported 1.17% on return on assets for Q2 2026, 0.08 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.60% |
| Tier 1 risk-based capital ratio | 13.60% |
| Total risk-based capital ratio | 14.85% |
| Tier 1 leverage ratio | 10.50% |
| Equity capital to assets | 10.23% |
| Tangible equity to tangible assets | 10.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 1.29% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 11.42% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 122.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 11.40% |
| Net interest margin | 5.13% |
| Efficiency ratio | 66.79% |
| Yield on earning assets | 7.15% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.92% |
| Core deposits to total deposits | 81.17% |
| Brokered deposits to total deposits | 3.17% |
| Deposits to assets | 84.87% |
| Securities to assets | 3.10% |
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 | 12.04% | 12.04% | 13.29% | 9.26% | 1.62% |
| Q4 2023 | 11.99% | 11.99% | 13.24% | 9.13% | 1.44% |
| Q1 2024 | 12.12% | 12.12% | 13.38% | 9.36% | 1.63% |
| Q2 2024 | 12.46% | 12.46% | 13.71% | 9.33% | 1.31% |
| Q3 2024 | 12.90% | 12.90% | 14.16% | 9.37% | 1.26% |
| Q4 2024 | 13.22% | 13.22% | 14.47% | 9.48% | 1.36% |
| Q1 2025 | 13.45% | 13.45% | 14.70% | 9.92% | 1.39% |
| Q2 2025 | 13.11% | 13.11% | 14.37% | 9.87% | 1.33% |
| Q3 2025 | 12.97% | 12.97% | 14.23% | 9.85% | 1.28% |
| Q4 2025 | 13.22% | 13.22% | 14.48% | 10.03% | 1.32% |
| Q1 2026 | 13.79% | 13.79% | 15.04% | 10.32% | 1.07% |
| Q2 2026 | 13.60% | 13.60% | 14.85% | 10.50% | 1.17% |
Traditions Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions Bank, 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 Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57554) · FFIEC NIC profile (RSSD 3194692)