Total Assets
$856M
Total balance-sheet footings
FDIC Cert #57554 · Cullman, Alabama · Est. 2003
Traditions Bank - FDIC Bank Health Profile
A community-scale look at Traditions Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $856M
- Total assets
- A
- Health grade · Excellent
- 1.33%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Traditions Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.22% Tier 1, profitable at 1.33% ROA, 62% efficiency ratio.
- #1,193
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 13.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Traditions Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Traditions Bank's composite health score
Tier 1 Capital Ratio (13.22%) 35/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (3.94%) 20/20
Efficiency Ratio (61.52%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$745M
Customer-funded liabilities
Net Loans
$689M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Traditions Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Traditions Bank's score of 83/100 falls in the highlighted band.
Traditions Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Traditions Bank's $856M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.22%
Texas Ratio
3.94%
Equity Capital
$86M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.33%
Return on Equity (ROE)
13.81%
Efficiency Ratio
61.52%
What the numbers say about Traditions Bank
Traditions Bank is an FDIC-insured institution (Certificate #57554) headquartered in Cullman, Alabama, established in 2003. It holds $856M in total assets - 1,193rd of 4,313 FDIC-insured banks, $745M in customer deposits, and $689M in net loans. Its capital position: a Tier 1 ratio of 13.22%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.94% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Traditions Bank sits 20th of 94 banks headquartered in Alabama by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$58M
Interest Income
$6M
Non-Interest Income
$29M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Traditions Bank reports a Texas Ratio of 3.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Traditions Bank (FDIC Cert #57554) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Traditions Bank's health grade?▼
Traditions Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Traditions Bank?▼
Traditions Bank holds $856M in total assets and $745M in deposits, ranking 1,193rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Cullman, Alabama.
Is my money safe at Traditions Bank?▼
Yes, deposits at Traditions Bank (Certificate #57554) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Traditions Bank's Tier 1 Capital Ratio?▼
Traditions Bank has a Tier 1 Capital Ratio of 13.22%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Traditions Bank?▼
Traditions Bank has a Texas Ratio of 3.94%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Traditions Bank?▼
Traditions Bank has an Efficiency Ratio of 61.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Traditions Bank's profile as a depositor or analyst.
- Traditions Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Traditions Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.