Traditions Bank: how it compares with its peers
Against 24 AL banks with half to twice its assets, Traditions Bank's strongest measure in Q2 2026 is net interest margin (5.10% vs. a 3.76% peer median). Its weakest relative measure is efficiency ratio (68.08% vs. 57.69%).
| Measure | Traditions Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.31% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.10% | 3.76% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.08% | 57.69% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $7.4M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.70% | 72.73% | Context |
What it means for lending operations
Its efficiency ratio of 68.08% is above the 57.69% 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
- Central State Bank Calera, AL · $891M
- First Southern State Bank Stevenson, AL · $893M
- West Alabama Bank & Trust Reform, AL · $929M
- MidSouth Bank Dothan, AL · $771M
- First Metro Bank Muscle Shoals, AL · $1.01B
- CommerceOne Bank Birmingham, AL · $1.06B
Questions about Traditions Bank
How big is Traditions Bank?
Traditions Bank, established in 2003, is headquartered in Cullman, AL. It reported $891M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Traditions Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.31% median for 24 AL banks with half to twice its assets, ahead of 42% of them.
What is Traditions Bank's efficiency ratio?
68.08% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 57.69%, and lower is better.
Is Traditions Bank growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 3.3%.
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 AL 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 Alabama bank ranked.