# TRADITIONS BANK
CULLMAN, AL · FDIC certificate 57554 · 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 | $890.9M | |
| Deposits | $756.1M | |
| Loans and leases | $725.3M | |
| Total equity | $91.1M | |
| Loans / deposits | 94.70% (p81 of band) | 82.04% |
| Liquid assets / assets | 14.73% (p16 of band) | |
| Uninsured deposits / deposits | 18.80% (p24 of band) | 25.97% |
| Brokered deposits | 2.69% | |
| Wholesale funding | 6.34% (p65 of band) | |
| FHLB advances / assets | 1.74% | |
| Tier 1 leverage | 10.50% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -1.34% (p84 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 5.10% (p95 of band) | 3.91% |
| Efficiency ratio | 68.08% (p69 of band) | |
| Noncurrent loans | 0.80% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | 0.49% (p96 of band) | |
| Reserve coverage of noncurrent | 157.35% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 84.66% (p80 of band) | |
| Auto loans | $8.6M (1.18% of loans; DQ 0.29%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 0 |  | charge-offs p90 |
| 2013-12 | 2 | liquid assets <10%, capital falling |  |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 3 | liquid assets <10%, construction >100% equity |  |
| 2014-09 | 4 | charge-offs p90 |  |
| 2014-12 | 2 |  | capital falling, construction >100% equity |
| 2015-03 | 1 |  | liquid assets <10% |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 2 | construction >100% equity |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 1 |  | construction >100% equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | capital falling, construction >100% equity |  |
| 2025-12 | 1 |  | capital falling, construction >100% equity |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2020-02-15 [Wallace State Arena Named for Traditions Bank - Wallace State](https://news.google.com/rss/articles/CBMikAFBVV95cUxPOUh5RzVlOHVzclJjUkdiWDlNNENlX0NrLU94TlZwRkJ0YTJGMmd0QnVMT1VsSWc5MFlwUFNmWnpVLVdEdE91U09oaEdJbEZ6WnFkd04tSHM5eXpPWGVWM3RuQmxycUxoTFNiUUU4cGZhUW84Z2lGTGxrSUJJYXM2V0doSDVENW9Ud2I4MDFIUU8?oc=5) · Wallace State
- 2024-05-28 [Investing in the community - City Lifestyle](https://news.google.com/rss/articles/CBMibkFVX3lxTE1LaGdFZnNOclhHMEoyTXI1djE4eDBLQnpkVWxEbXNfUnhFNTZNaEp6R2tEOFl1N2U2VE93TmNEVW02MXBmVFpwUFo4aWt5SEIxVzZFblZMWGVjaDJrZE5rRktza3RncG1TbDlFVWx3?oc=5) · City Lifestyle
- 2025-07-30 [Investigator shares new details in Priceville ATM robbery at bank - WHNT.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTzBaQmgyY3BhOENyT3NiWUZnVUwxd2llTVZwcnNNcXZEaWZ2Mm1uRDNKVEhiZy0yRGRRV3ZlaU9rQk9YajJmRDlfVXRZREtteElQSHk5TGZGbldISl9Vd3IzMlBHUmZtTXZFQ0VTSU5GOUhIeDlFdmNLTEpNLXgwd3lyaGh1NGpwaUhaY19IVGF6MGozVmV1dzlEWGfSAaIBQVVfeXFMT0E0MGxMMkE5Xy1lNHJ2dWJtd2o4WXBwcDZNckFERnlabGhzMVNhY0o3dFAyVDE5QmVvd1FSOFRZYWd2V0NaZnVVcExmTll1NHNLRVI2anhpUTNLQzNhQXJMMnhFVDlwTHF3ZXJmeHVfV2lVU1hBYXFmSGs4TW5NWEVqSzVZdUc0c1ZCMlBScXV6ellOeUQ0cGcxNHVvZUZvYXp3?oc=5) · WHNT.com
- 2021-12-02 [FBI asks for help in solving North Alabama bank robberies - Local 3 News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQRUpCdWViTW85R3hQbThCc0Z5ODRwVENZcG9vTUFCWjJfQkN0OTdYczJUX1Q3WW15SU5vU1B3aGJ6TXB4ZDVDMWhtQVZrbkRWNDFzYV9ub1NYY1czLUpwcG5TRF9oZDlxS21wS2MyWTJjSS1WdTlwZFUxUzZhcm1QNW9NYXdQMWhzdW8tTldCdW9sNlVzbEh6WFpGTU9OR2MtaGZmZllEdUdaX09CVi1iTTdyVEk5aXJHSVBLSkZua2dEZldNYnZrTlNKMi1NQ0I5STNFbzdXV3M4ZHVDbm5ITFBfeDRQeHpPMHZQd0M4NmlhUQ?oc=5) · Local 3 News
- 2024-12-27 [Traditions Bank hosting New Year’s Eve celebration - The Cullman Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxQR0pKLXZEWEdwOURkQVhHcXhESVVlSGpBdUhPV1BoV2JZeGVmRGdLYjhZNHNabjc3MlZoR2hYNjExUnEyWG10cExCbUo3ZEJvRWlGYW1qSWx0WHM1TnE5WDZoX0hLcGlsamhqb0lteUlrQ1BkZEhwaUxWa0lBcU52N1hGRFZ0VFVaWUtjTnlPNlF3OHoxOEdn?oc=5) · The Cullman Tribune
- 2025-07-29 [Priceville Police release surveillance photos of suspects in ATM robbery - WAFF](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYXdhd1lOUnE5WVZyc1RmZ1g1NW9GVWxlZ3l2ak56c1FNYnJvRWZUYTR3ZTMzaHF4bzhZX1VCb2l3OEh4ajVLOHBqYzM1VXBJek9LQWh2SWRadFV3bzJVZUN6d3YyYlMzMXpsYkVZZzhWVEd4QmQxSDctSlZzOWlJenlOMkJuakhKY0s0S3ZBQlFpeDY0b01KUmJSVm1FQUlY0gG0AUFVX3lxTE9PZE1kR3VaT0JQUllWTFBEYXFrbTRvVGJDZURDUjh2R25vNnNZa1VVOFJrcEFmQTI5b1pFMzZ2NHRTMGpZQUtXR292QjYwZkk3a1dXXzVPMVpDODBUeUx0UEdJM183RGlrT2JLc3dxUXJVdjRHZ2wtSjYweGRPTmZGTTJnMXVoR1RrcmRIWHhFNk13TWtDVUg4MlI3TjQwQUFKSEdfdFh3Sml1VFhIRW1GRmF3Vw?oc=5) · WAFF
- 2012-09-19 [Albertville bank robber thought to be same man who robbed Priceville, Guntersville banks - AL.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBNeFJmSWZoSGtFQmdZQUdDWGZvUUZJenNXVEFNbThYbndkSWs4T1FaNEFnUUtEZ2NjMmhfTnB1SWFEYnVUX2ZyVEswek15YVVOVWlQUzVOVkNKOWJRbG9sZVFUVV9XX0g2VV9rQTlFWkhfYjNzZUpqblBGdw?oc=5) · AL.com
- 2017-10-06 [Suspect in custody in Friday’s Traditions Bank robbery - The Cullman Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWEVoekJKWW1SN2hvZ3BnUzhBWnVWU1FHNkt1Z2lXazZGbFAxSHdLbklHcnVJU3ROMXhqN3I0UlFCa1VsRlFma3hOVWVISWM4N2p3bzB2MHhGMVQxdHBkakMtS043cHBJZTR5dF9XVC0yRFFvdEtLRHpIcXkzeE8zRE5HcTFVeHEweDRJUmhVMS0xdzB4cFhIX3hZcW0?oc=5) · The Cullman Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57554 (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/18.json (key "57554", 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