# TRADITIONS FIRST BANK
ERIN, TN · FDIC certificate 57092 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $336.6M | |
| Deposits | $300.1M | |
| Loans and leases | $257.8M | |
| Total equity | $32.2M | |
| Loans / deposits | 85.30% (p59 of band) | 82.04% |
| Liquid assets / assets | 19.91% (p32 of band) | |
| Uninsured deposits / deposits | 28.07% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -9.07% (p47 of band) | -8.10% |
| AOCI / equity | -0.27% (p55 of band) | |
| ROA (annualized) | 0.84% (p24 of band) | 1.28% |
| Net interest margin | 3.81% (p44 of band) | 3.91% |
| Efficiency ratio | 70.47% (p74 of band) | |
| Noncurrent loans | 0.01% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 5411.76% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 122.63% (p93 of band) | |
| Auto loans | $1.1M (0.42% of loans; DQ 6.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 50 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | construction >100% equity | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | capital falling | construction >100% equity |
| 2021-09 | 2 | construction >100% equity |  |
| 2021-12 | 0 |  | capital falling, construction >100% equity |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | capital falling, securities losses >30% of equity |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-08 [Albert Hargis joins Traditions First Bank as vice president and consumer lender - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPZ1pkc05jNWN4ZXVYNnFtcUYtenNjcUJieFpaZHpwV3N4emxjRUcxY0hUTWxUcDFYYmVmR3pCVWFLM09qRlRvUXpLTEJDMU5POFFfN0ZnUnZLU1ZYN2dLNTl2NUx5Yi16dTJhdkhseFNoeTZZY3JNTkUyWWFwU2hPUGpraFBkUkRxOWhYQVdBTm93T3JHT3ZCNGwxZTFKQ1YwVVBBa0JZVUhzc1psWXlPS19YUjJGVFI1UDJjNUhnSmhiOHI1cDJTOXBPOVBRMUZ3QVgzMXZR?oc=5) · Main Street Media of Tennessee
- 2026-09-01 [Albert Hargis joins Traditions First Bank as vice president, consumer lender - Clarksville Now](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSmVlVzVQVmMtWGpocDlRQ0N1TFp2b09OUnNhOVRjTmxUWHNwbktIS2dnSElOQVhoWXZCWFFBYWNZS3lnbUljTmlQYk9idkFDTUd6d0NtWFE5aUFYNS0tZEs5MjF6d3dEbzF6ZjJVVUM4aXYyUUs4X0M5dGs0djNGcURJV0NQbEg4anpQOThDVXhxbHBRQWJQLU5lVFU1dkdyU3Vzck1yT3FLTmxnelE?oc=5) · Clarksville Now
- 2025-08-06 [Traditions First Bank Expands in Clarksville with Fifth Location on Madison Street - Clarksville Online](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBBQV9NdEl2VmR3S05hUUtYc0Z2UjZTQS1fVEpQV0RtX2NWMFRjb1NlS2RaRVdEUVZLVUlvU0dJOHVIZDRRdDF5WkowRWxEdmMxWE5jWXBB?oc=5) · Clarksville Online
- 2026-01-20 [Traditions First Bank announces Eric Huneycutt as new member of Board of Directors - Clarksville Now](https://news.google.com/rss/articles/CBMitwFBVV95cUxQS1ItNUJDdG5UOEIwbHdmbTRzMVRraC1XTms2NUlLaTc3dmU0Q01fYngyU3lwbUxWaG5IRXdTTl85VDBwXzNJWG9YdmN0XzJSbVB2Y0N3aG9zWkF3UkVDMV9Xd3NSeld6aFZvYUxOVEdFOFZhOU5UYkRzS3JuVS1mQ3Zhckp6bHpZYjU2UVV0YlplemxxY0QyZXY3eXUzVmJlanhvV003QV9UbGhvY3FGVEpOUExpSmc?oc=5) · Clarksville Now
- 2025-10-15 [Traditions First Bank welcomes entrepreneur Ronnie Moore to Board of Directors - Clarksville Now](https://news.google.com/rss/articles/CBMisgFBVV95cUxQU045ODBtbjFBazZDeU5nTjZ6TktWOXNyQTk0MGxVTzZmSXNpczdGZTRHZEtxQl9GWmNKNW5UUk5aZHU4MHRVckROTGIzMWtXRTZobHZiaXAwSDIybWVVVXkyemFsNnU5aG9MZTZSOGkyVENEeEYyTFptWWdaMTA1U05FMF9yWTh2RjNTbUJPRnFsMWY2eWdpZ3dVRTVUTDJ2TXU3R2tMQ1dPZXFUWUJFYUV3?oc=5) · Clarksville Now
- 2025-01-13 [Traditions First Bank introduce Kyle Luther and Michael Eubank to board - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMizgFBVV95cUxQc1NUMXlnV1ZYYnN6dTB5NGhfSG8wekhyVlZVMEhHTkllbzFHLU9DODdQd05CczBjd1dxVmxTdjNLWnhmLWNRT21ldV9ES0kxUGdiWWI0OE01Y25HaFM1S0o2VUI4OEZNOU1sNWt5c3dleGFmRGdocmNYbmhyV1VhS09ZQmFVQjZaRjg2eFBDQzNZOFFNalZ0ODNYYTdtekVma2JsWUZUZTZiSS1iWHRkVmFqU0YyMkt0LVRuRkExQzdjMjdJcXlPUWxKdVhLZw?oc=5) · Main Street Media of Tennessee
- 2024-07-25 [Gaylor named Senior VP at Traditions First Bank - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcC1JZUwtSHYxekJRZnFEeHZKWnNucmQxUHBwOU9jdVIzLXpmY3Y5S2lvUHJaQnFjbVZnb3FBQzhIaXd2enQwVGhYaUdqTjlQbWRWOUN2dGUycEdHNXhsWGplX0dkaUt1X1hjeDhwa3RHTEZuRWc1UGZSeHlHbkRmLVhDdkRTN3gzcWZuckV6c0xLa19vVTNhTTJENTRfQjBKdk9jTzhtQTh4TjA?oc=5) · Main Street Media of Tennessee
- 2025-01-13 [Traditions First Bank introduces Kyle Luther, Michael Eubank to Board of Directors - Clarksville Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxQclJERUlIOG9DR1dFSXBac1ZuT0ZzZ1RPLUFYTDBxWno2WG9XSWQxNnhNRlNaS205T2lJeUxyRDY2dy11VThNdzU5YmdSUmNjVUVoT1pkZUFKMWVuSXBiZlR5RUsyNWVOYnhZOExlT0RDR1V2TmFta1VoZkowMWJXOENyM251TDFNck92WDE5RXE1cFdtdWxmdmx1VnhlZ3BBcFJiY0ttM0dxWHZPTUg3dWpCeDI2QQ?oc=5) · Clarksville Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57092 (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/4.json (key "57092", 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.

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