Traditions First Bank
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Data as of · sourced from FFIEC call reports. How we update
Traditions First Bank is an FDIC-insured commercial bank headquartered in Erin, TN, established in 2000 (FDIC certificate 57092), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $336.6M, up 7.2% from Q2 2025, the 69th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57092
- Headquarters
- Erin, TN
- Established
- 2000
- Total assets, Q2 2026
- $336.6M
- Assets vs Q2 2025
- +7.2%
- Tier 1 leverage ratio, Q2 2026
- 9.91%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 064108650
- Holding company
- TRADITIONS FIRST BANCORP, INC.
- Asset rank in state
- 69th of 109 in Tennessee
Traditions First Bank, based in Erin, Tennessee, reported $337 million in assets at June 30, 2026, up 7.2% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 2.35% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Traditions First Bank reported a return on assets of 0.79%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Traditions First Bank is the 69th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $336.6M, loans fell 1.0% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.6% of total loans, followed by construction and land development loans at 15.3%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TN; its Erin office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, Traditions First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5745 E Main St, Erin, TN 37061
- County
- Houston
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 30, 2000
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $300.1M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $342.2M
- Average total loans
- $262.7M
- Average interest-bearing deposits
- $257.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 30, 2000
- FDIC Cert
- 57092
- Fed RSSD
- 2963864
- Website
- http://www.traditionsfirst.com →
- Parent Holding Company
- TRADITIONS FIRST BANCORP, INC. (RSSD 5759741)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Traditions First Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Traditions First Bank's total assets ranged from $275.4M (Q3 2023) to $339.4M (Q1 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
$336.6M total assets against $313.9M; $304.4M total liabilities against $284.3M.
$256.0M net loans and leases against $233.2M; $300.1M total deposits against $277.7M.
$50.6M securities against $52.3M; $16.4M cash and balances due against $14.9M.
$4.8M total interest income against $4.5M; $1.8M total interest expense against $1.8M.
$3.0M net interest income against $2.8M.
$211K total noninterest income against $254K; $2.3M total noninterest expense against $2.1M.
$30K provision for credit losses against $0.
$675K net income against $683K.
0.79% return on assets against 0.84%; 3.74% net interest margin against 3.63%.
9.91% tier 1 leverage ratio against 9.88%.
Inside the full Traditions First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Traditions First Bank rankings
Its closest position to the top of a national ranking is 2,295 of 4,196, for total assets; its furthest is 3,237 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q3 2024) to 0.93% (Q4 2024) and its net interest margin ran from 3.41% (Q3 2024) to 3.75% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.91% | 0.79% | 0.01% | 0.10% | 3.74% |
| Q1 2026 | 10.06% | 0.87% | 0.01% | 0.09% | 3.73% |
| Q4 2025 | 9.79% | 0.84% | 0.00% | 0.00% | 3.75% |
| Q3 2025 | 9.91% | 0.82% | 0.00% | 0.00% | 3.68% |
| Q2 2025 | 9.88% | 0.84% | 0.00% | 0.00% | 3.63% |
| Q1 2025 | 9.72% | 0.79% | 0.00% | 0.00% | 3.44% |
| Q4 2024 | 9.77% | 0.93% | 0.00% | 0.00% | 3.51% |
| Q3 2024 | 9.74% | 0.68% | 0.01% | 0.05% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 First Bank (main office) | Erin , TN | 37061 | $139.7M |
| Dickson Branch | Dickson , TN | 37055 | $75.7M |
| Clarksville Branch | Clarksville , TN | 37040 | $35.4M |
| Dover Branch | Dover , TN | 37058 | $32.9M |
| Traditions First Bank Branch | Clarksville , TN | 37043 | $16.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 94 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 97 applications, 72 loans originated, $21.6M originated, across 3 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 First Bank
What are Traditions First Bank's total assets?
As of the Q2 2026 filing, Traditions First Bank reported total assets of $336.6 million in its FFIEC call report.
Where is Traditions First Bank headquartered?
It is headquartered in Erin, TN, United States.
When was Traditions First Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Traditions First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Traditions First Bank?
Traditions First Bank's primary federal regulator is the FDIC.
How many branches does Traditions First Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Traditions First Bank's Texas Ratio?
Its Texas Ratio is 0.10% 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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