# TRADITIONAL BANK INC
MOUNT STERLING, KY · FDIC certificate 2711 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.44B | |
| Deposits | $2.14B | |
| Loans and leases | $1.68B | |
| Total equity | $215.4M | |
| Loans / deposits | 77.46% (p28 of band) | 87.10% |
| Liquid assets / assets | 27.82% (p72 of band) | |
| Uninsured deposits / deposits | 30.13% (p48 of band) | 30.76% |
| Brokered deposits | 8.69% | |
| Wholesale funding | 11.55% (p70 of band) | |
| FHLB advances / assets | 1.36% | |
| Tier 1 leverage | 10.56% (p51 of band) | 10.50% |
| Unrealized securities loss / equity | -21.60% (p17 of band) | -7.75% |
| AOCI / equity | -0.19% (p58 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.26% |
| Net interest margin | 3.40% (p31 of band) | 3.70% |
| Efficiency ratio | 53.21% (p33 of band) | |
| Noncurrent loans | 0.25% (p28 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p46 of band) | |
| Reserve coverage of noncurrent | 400.54% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 121.99% (p95 of band) | |
| Auto loans | $864,000 (0.05% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 278 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 3 | reserve under noncurrent |  |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-09 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | wholesale funding >15%, capital falling |  |
| 2023-12 | 6 | brokered >10%, NIM <2.5% |  |
| 2024-03 | 3 |  | construction >100% equity, capital falling, brokered >10% |
| 2024-06 | 4 | construction >100% equity |  |
| 2024-09 | 2 |  | securities losses >30% of equity, construction >100% equity |
| 2024-12 | 5 | brokered >10%, capital falling, securities losses >30% of equity, construction >100% equity | wholesale funding >15% |
| 2025-03 | 3 |  | NIM <2.5%, capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | securities losses >30% of equity |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 1 |  | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-07-11 [‘Who are you running for?’ Each runner in this race will honor a Kentucky overdose victim - Lexington Herald Leader](https://news.google.com/rss/articles/CBMibEFVX3lxTE5jT1V4MElqVDBxWXdMMHM3OW5kWWRoY2UtTVpkVXUzVTBFLWVPME5MckkxbTAyWGhwcGh6SmFFY3pzZ1B2eGtGNkhlOU55N2x4eVk5TE5LeVB1aXd6bllCNmtrSEhGUWRGVWpEbNIBbEFVX3lxTFBnNlN5RDFlSVhmMDFkVEYxeTJ1emJ6MXBlaVBhYnFfNUxuU0tVUzhqd3hEYVNLWk9XcGczRmhua1drY1VWVnFDR2M3bG9yRVNlODYzSnVxTEVuTTNNZmM4UThhRzQ3RWFsd2ZNTA?oc=5) · Lexington Herald Leader
- 2024-08-15 [Property Transfers (August 2023) - State-Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE53dVR2My10eGhXLVZFUnFUcF9IeW1hT3JsMHRlTzBtcHc2aHl5b252azhfams0a3BQMExBV1dxNTh3OUEwVjdZaFRwSW44SE40RG1YVkRsckZNN1N1cnZQMVFWT2hhakZ5QTlobTJYZ3VRVHloa2Vz?oc=5) · State-Journal
- 2022-02-17 [Clark County Public Record - Winchester Sun](https://news.google.com/rss/articles/CBMidEFVX3lxTE50UW1xNFVfbkdXVVR4eGVLN0ZqZUtOS3RCVGRVY3ZGM0tEdmhmX3VlbllBaWNhRmc0QlFGMEM0ZFlZdWZsYWlGS3UwRWdNbUdTNDdPejhEdjVkV2RBYlktUGJlYTY3WnVLd1kwZktpbklQMzRr?oc=5) · Winchester Sun
- 2022-03-03 [Property transfers (February 2022) - State-Journal](https://news.google.com/rss/articles/CBMiekFVX3lxTE16UERESDhWcjBYeHhuMjlxQ2tGOFA2RTdpYWhzYkIyRVJoT2F2ZVNrcFVMUXZOQkM5Zm95S3ZqeVlLVWtpdUVDX1NPM2t0MVJjR0F6V3NNaWpFZDBqV0hvTlhmRHhzcU1ycF9Lalhpa29kMTFka1pYREZR?oc=5) · State-Journal
- 2021-08-03 [Property transfers (June 2021) - State-Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTE4tNkhBaWg4REFHd1loQkx6T04zN1dpMlVVaGJ2SjdJcHdsdGV1X2JVRVJyQ2djZ2R0UEZMd0tYNjM3UEU5clYwNTFrVzBUbVpZUG1FMnBLM2lUdldXdnQwS2J3YkNXeWQ0NVNOSzhIc3JmRHR3?oc=5) · State-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2711 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "2711", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide