Traditional Bank, Inc.: how it compares with its peers
Against 10 KY banks with half to twice its assets, Traditional Bank, Inc.'s strongest measure in Q2 2026 is assets per employee ($8.8M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.40% vs. 3.71%).
| Measure | Traditional Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.19% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.40% | 3.71% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.21% | 62.51% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $7.1M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.46% | 76.93% | Context |
What it means for lending operations
Its efficiency ratio of 53.21% is better than the 62.51% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- South Central Bank, Inc. Glasgow, KY · $2.26B
- Heritage Bank, Inc. Burlington, KY · $1.99B
- Planters Bank, Inc. Hopkinsville, KY · $1.96B
- Whitaker Bank Lexington, KY · $1.93B
- Forcht Bank, National Association Lexington, KY · $1.65B
- The Cecilian Bank Cecilia, KY · $1.59B
Questions about Traditional Bank, Inc.
How big is Traditional Bank, Inc.?
Traditional Bank, Inc., established in 1902, is headquartered in Mount Sterling, KY. It reported $2.44B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Traditional Bank, Inc.'s return on assets?
1.18% annualized in Q2 2026, against a 1.19% median for 10 KY banks with half to twice its assets, ahead of 50% of them.
What is Traditional Bank, Inc.'s efficiency ratio?
53.21% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 62.51%, and lower is better.
Is Traditional Bank, Inc. growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits shrank 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.