Traditions First 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.
The largest change between Q1 2026 and Q2 2026 was in Loan-to-deposit ratio, which fell 0.55 percentage points to 85.92%. Within Tennessee, Traditions First Bank is 85th of 109 on return on assets, 0.79% as of Q2 2026, below the middle of the field. Traditions First Bank reported 0.79% on return on assets for Q2 2026, 0.46 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 9.55% |
| Tangible equity to tangible assets | 9.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.10% |
| Allowance for credit losses to loans | 0.71% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 8.50% |
| Net interest margin | 3.74% |
| Efficiency ratio | 71.50% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.92% |
| Core deposits to total deposits | 82.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.16% |
| Securities to assets | 15.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.42% | 0.50% | 3.32% | 0.00% | 0.00% |
| Q4 2023 | 9.52% | 0.59% | 3.22% | 0.00% | 0.01% |
| Q1 2024 | 9.25% | 0.44% | 3.25% | 0.00% | 0.00% |
| Q2 2024 | 9.22% | 0.98% | 3.36% | 0.00% | -0.01% |
| Q3 2024 | 9.74% | 0.68% | 3.41% | 0.01% | 0.00% |
| Q4 2024 | 9.77% | 0.93% | 3.51% | 0.00% | 0.00% |
| Q1 2025 | 9.72% | 0.79% | 3.44% | 0.00% | 0.01% |
| Q2 2025 | 9.88% | 0.84% | 3.63% | 0.00% | -0.00% |
| Q3 2025 | 9.91% | 0.82% | 3.68% | 0.00% | 0.01% |
| Q4 2025 | 9.79% | 0.84% | 3.75% | 0.00% | 0.06% |
| Q1 2026 | 10.06% | 0.87% | 3.73% | 0.00% | 0.00% |
| Q2 2026 | 9.91% | 0.79% | 3.74% | 0.00% | 0.05% |
Traditions First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57092) · FFIEC NIC profile (RSSD 2963864)