# TRADITIONS BANK
YORK, PA · FDIC certificate 57377 · asset band $300M-1B · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $870.1M | |
| Deposits | $749.8M | |
| Loans and leases | $689.0M | |
| Total equity | $67.5M | |
| Loans / deposits | 91.35% (p74 of band) | 81.16% |
| Liquid assets / assets | 16.18% (p20 of band) | |
| Uninsured deposits / deposits | 29.43% (p66 of band) | 25.64% |
| Brokered deposits | 2.18% | |
| Wholesale funding | 6.77% (p59 of band) | |
| FHLB advances / assets | 4.60% | |
| Tier 1 leverage | 9.02% (p18 of band) | 10.35% |
| Unrealized securities loss / equity | -19.37% (p43 of band) | -15.76% |
| AOCI / equity | 1.13% (p70 of band) | |
| ROA (annualized) | 0.52% (p20 of band) | 0.97% |
| Net interest margin | 3.03% (p29 of band) | 3.42% |
| Efficiency ratio | 76.57% (p74 of band) | |
| Noncurrent loans | 0.64% (p68 of band) | 0.31% |
| Net charge-offs (annualized) | 0.19% (p90 of band) | |
| Reserve coverage of noncurrent | 91.70% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 60.94% (p59 of band) | |
| Auto loans | $27,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 131 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2015-03 | 1 | capital falling | uninsured deposits leaving |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 2 | reserve under noncurrent | capital falling |
| 2015-12 | 1 |  | charge-offs p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | capital falling | reserve under noncurrent |
| 2016-09 | 3 | loans exceed deposits, reserve under noncurrent |  |
| 2016-12 | 2 | construction >100% equity | loans exceed deposits, reserve under noncurrent |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 1 |  | construction >100% equity |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 1 | loans exceed deposits |  |
| 2018-06 | 0 |  | loans exceed deposits |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 | uninsured deposits leaving | capital falling, securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2023-09 | 4 | capital falling, securities losses >30% of equity |  |
| 2023-12 | 1 |  | uninsured deposits leaving, capital falling, securities losses >30% of equity |
| 2024-03 | 0 |  | reserve under noncurrent |
| 2024-06 | 1 | reserve under noncurrent |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | charge-offs p90 |  |

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

- 2025-02-04 [ACNB completes Traditions Bancorp acquisition in US - Retail Banker International](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNQzV1aVhQaV9PR1JYWTJhUml2LUl6bUlJRWNnVHl6WWp0b25fcGc2Z08tVnd4ek93MExUbXhXY1FYbnBmTEpQM1J2cGluVmctZUJvOVBKUkdnN1o5UmYyS3l3YnVWaG5NQW9OT29iTXpkX0YyRFVMZVVWM3VSVmZ2eHlYOEdpbmNP?oc=5) · Retail Banker International
- 2024-07-24 [York's Traditions Bank to be acquired by Gettysburg-based ACNB - ydr.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxOREhiZ3B1S3NXZU1DbjJDX1Q3cWVvRVlaZXVIVGN2c0lESFBmMHo2RU16OU9tU2lJMm00b2ZoeVpVdlhMSkZpdnNfeFVuR0hpdE9rOUoyTTJKak5tUmlNbExtY2tTTXRtMnI4bWtHN0dmWkpjNmtEODczQWJGVnR4Wk1NUnpsd2ZfREFBMzlGMjNSVEswUmZHQ1o1c24xMk02QVpycU9LQVVxV2pzSUlOenlnTm10QQ?oc=5) · ydr.com
- 2021-11-15 [Traditions Bank Promotes Sposito to Chief Banking Officer - ABF Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxNVWFJQXpBMG0wLWxrdkhiUmhrandHT0M3TFFueGhqMHJCenZyLUQ4R09jcXhkc2xRRkdMa1UtMXFPYlF4MGIybEwtTjNEQXBwZkV2d3p5U2FZLWhNN2pMQl9ib2hwalJLTFN2LVMxUDlkcG1ZczdRZFVLaFZsLXhrVHRiTzlsd3pfOGVlTm53?oc=5) · ABF Journal
- 2024-07-25 [Gettysburg-based Bank is buying York-based Traditions Bank - ABC27](https://news.google.com/rss/articles/CBMikAFBVV95cUxPOEZGUkQ0dThRRF9obTNSSDB0b2FHMkhBY2VMdWI0Wk16UlczdTBDNUdyX0hvWnZzQ19odFNGSXJFd09IUXZVd3hYWUxsX3N6T0N2YlFqU3ZYRWZ0ak5Ec3Z6ZUtTVGVRaDlKZTBTc3pENEliUkYtdHJQT1RldHE2YWNqOWdZUnB4dGJ1djl3WkzSAZYBQVVfeXFMT3pNNzNvay1IZWh4ekdGVnZ0dXdkaGk0SUp6bE9BWElsNy0xSTI4NlI0bzRfWmhyc0lpQzlZaHFJaTA3VHNHMFlTR0hsM3NJXzRXRjJwT2RUclJPX1BzclVTbUF5a1QwVTlGVFhDS1EybXR1bm96OGx5WEE5RHc2eEFtdXZnTUlPeERpY0dIWUxCd1pJZDhB?oc=5) · ABC27
- 2021-11-15 [Thomas J. Sposito II Assumes Expanded Strategic Growth Role For Traditions Bank - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxPTUpBOXJYUXF6U3BTSFBlODRUZUladlNROXpmdzUtTGNIMHhJUzlKYlNURU82Z3hqZHF0UGdlY0pxdHk2OURWWGNrTEFqRVZXcjgwZFpLZVpPQlNlR2xRMWRia0ctOUVTUndmUURtYzBsdWVjR3daeDBJem5GTFVCek1FRVV0cEFHY01HU3FHcDUyYkkyeUxWZlJPRmV6ZXl6UTJoZVZaZGg3WlZnZXhQazBBSjQ4b0JnR1VOXzZjQU9scHRRRU4tS1NXeWlCNjA?oc=5) · PR Newswire
- 2025-12-24 [Marijuana dispensary proposed on Eisenhower Drive in Hanover - The Evening Sun](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNdmx5d2JSU1BvMlM0b0tnam5jbUlVWGY0VmhKNEktU19MN3drRGYwQThtSTZOdm1QbmZMZVZ0aEFNcG12dGZyYnJWYTBfaUl2RG9oSXB6LTJLU1ZvV01DSEJMRXpmVGp3aUxicjFJSlU5LUlFMTRrS21xMTI1aXNYNm81V0F1UG50VzJES0diSU1xRjZsRDlHenB3S3RxYnRra3pXczNuU0RZV2FWYUZmOUxtd2RQaEZ4cWQtV0xZLVRDMHVHSnJMX012Zl95WDlicVV5VQ?oc=5) · The Evening Sun
- 2025-02-03 [ACNB Corporation Announces Completion of Traditions Bancorp, Inc. Acquisition - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxQbjF0ak9UM1dmUkRHMjFkUk5fVG5NOWxzaW16UDByZVJ0QmRna0VkLTVVZHFWWE5vQndJdTNvNkR2QU5LRlRwSjFsRTREU2R0d01oSDZlNklsWUxkM2VWYU5GdmZkcHVGZ25EYkZNc0pXdjRWOTBsNDVHT05EajBubkNoVk5OOXBXVHpLMWVoN3BuSmhudndOQXRR?oc=5) · Yahoo Finance
- 2023-12-21 [YORK COUNTY SPCA WINS $3,000 TRADITIONS BANK DONATION THANKS TO NUTEC! - York Revolution](https://news.google.com/rss/articles/CBMimwFBVV95cUxPX3lka0F0OVlDeUdGamQ5VVJwajFJZ2VWUnU4VTZWYUE2UzhybU0yVzdiZzN5NUsxS3NvX2hGcEZHeDlzaXBGNkNJQnpWZ293dTY2NzNqaG16VXFNMXFYT1IyQXpxVTJ4dk1hT3VMdVZYN21Db2F2OS0wYVoxa0pzam15MzBkdFJ6Q1Y0XzBnS3VyQk1QeHIwYmlCVQ?oc=5) · York Revolution

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57377 (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/33.json (key "57377", 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