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Traditional Bank, Inc.
Mount Sterling, KY · FDIC Certificate #2711 · Chartered 03/1
Total assets
$2.44B
Total deposits
$2.14B
Total equity
$215.41M
Net loans
$1.66B
Branches (offices)
18
Net income (YTD)
$14.38M
Rank: #509 of 4,213 U.S. banks by assets · #6 of 120 in Kentucky. Assets changed 2.4% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 13.66% |
| Net interest margin (YTD) | 3.40% |
| Equity to assets | 8.83% |
| Tier 1 leverage ratio | 10.56% |
| Uninsured deposits (share of deposits) | 30.1% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 77.5% |
| Real estate loans (share of loans) | 94.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.56B | 94.4% | |
| Commercial & industrial | $82.44M | 5.0% | |
| Consumer / individual | $7.24M | 0.4% | |
| Construction & development | $262.78M | 15.8% | |
| Agricultural | $3.39M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.20B | $1.98B | $17.75M | $127.51M |
| Jun 2023 | $2.24B | $1.93B | $31.62M | $160.05M |
| Jun 2024 | $2.32B | $1.98B | $4.38M | $167.91M |
| Jun 2025 | $2.38B | $2.14B | $9.63M | $185.44M |
| Jun 2026 | $2.44B | $2.14B | $14.38M | $215.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $2.14B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.14B.
Similar-sized banks
Cogent Bank ($2.45B) · Credit One Bank, National Association ($2.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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