Traditions First Bank: how it compares with its peers
Against 51 TN banks with half to twice its assets, Traditions First Bank's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $6.2M peer median). Its weakest relative measure is net interest margin (3.81% vs. 4.01%).
| Measure | Traditions First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 1.08% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.01% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.47% | 67.05% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.2M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.30% | 82.81% | Context |
What it means for lending operations
Its efficiency ratio of 70.47% is above the 67.05% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Elizabethton Federal Savings Bank Elizabethton, TN · $326M
- Decatur County Bank Decaturville, TN · $326M
- Citizens Community Bank Winchester, TN · $353M
- People's Bank and Trust Company of Pickett County Byrdstown, TN · $319M
- TNBANK Oak Ridge, TN · $318M
- Community Bank Lexington, TN · $358M
Questions about Traditions First Bank
How big is Traditions First Bank?
Traditions First Bank, established in 2000, is headquartered in Erin, TN. It reported $337M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Traditions First Bank's return on assets?
0.84% annualized in Q2 2026, against a 1.08% median for 51 TN banks with half to twice its assets, ahead of 35% of them.
What is Traditions First Bank's efficiency ratio?
70.47% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 67.05%, and lower is better.
Is Traditions First Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 8.1%.
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 TN 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 Tennessee bank ranked.