Traditions First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Traditions First Bank of Erin, TN 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 | 0.79% | 1.35% | -0.56% | 22nd bottom |
| ROAE | 8.50% | 12.06% | -3.56% | 28th below |
| Net Interest Margin | 3.74% | 3.90% | -0.16% | 39th below |
| Efficiency Ratio | 71.50% | 63.15% | +8.35% | 25th below |
| PPNR / Avg Assets | 1.06% | 1.64% | -0.58% | 23rd bottom |
| Yield on Earning Assets | 5.93% | 5.65% | +0.28% | 65th above |
| Cost of Funds | 2.35% | 1.85% | +0.50% | 20th bottom |
| Net Interest Spread | 3.20% | 3.35% | -0.15% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 26th below |
| ACL / Total Loans | 0.71% | 1.28% | -0.57% | 7th bottom |
| Texas Ratio | 0.10% | 7.15% | -7.05% | 87th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 176.47% | 1189.81% | -1013.34% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.91% | 12.46% | -2.55% | 29th below |
| Equity / Assets | 9.55% | 11.67% | -2.12% | 37th below |
| TCE / Tangible Assets | 9.43% | 11.40% | -1.97% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.92% | 78.64% | +7.28% | 38th below |
| Core Deposit Ratio | 82.78% | 87.10% | -4.32% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.23% | 6.47% | +0.76% | 70th above |
| Loan Growth (Y/Y) | 9.69% | 7.64% | +2.05% | 73rd above |
| Deposit Growth (Y/Y) | 8.05% | 6.02% | +2.03% | 76th top |
See Traditions First Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Traditions First 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 First Bank profile, how to read a UBPR, or how this data updates.