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Traditions Bank
Cullman, AL · FDIC Certificate #57554 · Chartered 08/0
Total assets
$890.94M
Total deposits
$756.14M
Total equity
$91.12M
Net loans
$716.10M
Branches (offices)
6
Net income (YTD)
$4.88M
Rank: #1,157 of 4,213 U.S. banks by assets · #21 of 93 in Alabama. Assets changed 6.3% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 11.02% |
| Net interest margin (YTD) | 5.10% |
| Equity to assets | 10.23% |
| Tier 1 leverage ratio | 10.50% |
| Uninsured deposits (share of deposits) | 18.8% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.61% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $518.07M | 72.3% | |
| Commercial & industrial | $165.57M | 23.1% | |
| Consumer / individual | $26.95M | 3.8% | |
| Construction & development | $77.14M | 10.8% | |
| Agricultural | $10.01M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $622.71M | $565.79M | $4.05M | $52.43M |
| Jun 2023 | $688.99M | $600.45M | $5.25M | $59.92M |
| Jun 2024 | $787.50M | $685.77M | $5.52M | $70.72M |
| Jun 2025 | $838.45M | $732.05M | $5.56M | $80.27M |
| Jun 2026 | $890.94M | $756.14M | $4.88M | $91.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $756.14M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $756.14M.
Similar-sized banks
The Savings Bank ($891.00M) · Central State Bank ($890.70M)
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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