BlastPoint's Banking Scorecard
Traditions Bank
Community
Specialty: Commercial
AL
FDIC cert 57554
Cullman, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Traditions Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.59% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 67% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$856.2M
+6.5% YoY
-0.1% QoQ
|
-$535.3M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$688.8M
+11.0% YoY
+1.4% QoQ
|
-$286.7M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$745.4M
+7.1% YoY
-0.4% QoQ
|
-$419.2M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.33%
-4.1% YoY
+0.3% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
5.25%
+1.1% YoY
+1.1% QoQ
|
+1.59% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
61.52%
+3.4% YoY
+2.5% QoQ
|
-1.11% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.55%
+58.2% YoY
-56.4% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
92.41%
+3.6% YoY
+1.8% QoQ
|
+9.34% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
16.81%
-13.9% YoY
-8.4% QoQ
|
-4.24% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.29%
+248.3% YoY
+6.1% QoQ
|
+0.79% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
13.22%
+0.0% YoY
+1.9% QoQ
|
+2.98% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.75%
+2.4% YoY
+38.1% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.25%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
NIB Deposit Bleed
decline
#60 of 89 · Bottom 67% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.81%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.66%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.22% · Tier avg: 10.24%
52
52th pctile
Efficiency Ratio
Current: 61.52% · Tier avg: 62.63%
49
49th pctile
Total Loans
Current: $688.8M · Tier avg: $975.5M
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
42
42th pctile
Total Deposits
Current: $745.4M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $856.2M · Tier avg: $1.4B
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.81% · Tier avg: 21.05%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.41% · Tier avg: 83.06%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.50%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.50%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.41% · Tier avg: 83.06%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.81% · Tier avg: 21.05%
40
40th pctile
Total Assets
Current: $856.2M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $745.4M · Tier avg: $1.2B
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
49
49th pctile
Total Loans
Current: $688.8M · Tier avg: $975.5M
52
52th pctile
Efficiency Ratio
Current: 61.52% · Tier avg: 62.63%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.22% · Tier avg: 10.24%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
97
97th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.66%