Traditions First Bank (FDIC #57092): Bank Stress & Real-Estate Credit Exposure

Traditions First Bank (FDIC Cert #57092): bank stress 75/100, severe, STABLE over 7 days; parent TRADITIONS FIRST BCORP INC.

Traditions First Bank (#57092) lends in 4 counties across 1 state; Traditions First Bank (#57092) reaches 30 ZIP codes: Tennessee 4 counties, 30 ZIPs.

Traditions First Bank (#57092) largest markets: Montgomery County, TN (30 branches, 15 ZIPs) (#57092), Dickson County, TN (11 branches, 11 ZIPs) (#57092), Houston County, TN (8 branches, 8 ZIPs) (#57092), Stewart County, TN (8 branches, 8 ZIPs) (#57092).

Traditions First Bank (#57092) reports $336.6 million in total assets; Traditions First Bank (#57092) equity $32.2 million (9.6% of Traditions First Bank (#57092) assets); Traditions First Bank (#57092) domestic deposits $300.1 million; Traditions First Bank (#57092) net income $1.4 million; Traditions First Bank (#57092) return on assets 0.84%; Traditions First Bank (#57092) return on equity 8.88%; Traditions First Bank (#57092) net interest income $6.0 million; Traditions First Bank (#57092) call report June 30, 2026.

Traditions First Bank (#57092) noncurrent real-estate loans 0.03% of its book; Traditions First Bank (#57092) net charge-offs on real estate 0.01%; Traditions First Bank (#57092) residential charge-offs 0.06%.

Traditions First Bank (#57092) net interest margin 3.81% against an eight-quarter Traditions First Bank (#57092) average of 3.62% (Traditions First Bank (#57092) compression -0.20 points); Traditions First Bank (#57092) real-estate loans 2.5% of equity; Traditions First Bank (#57092) non-residential real estate 5.7% of equity; Traditions First Bank (#57092) rate-exposure score 40/100, Traditions First Bank (#57092) fixed-rate trap 40/100; Traditions First Bank (#57092) risk type credit driven; Traditions First Bank (#57092) rate regime rates elevated, Traditions First Bank (#57092) snapshot October 19, 2026.

Traditions First Bank (#57092) stress score moved from 74.1 on June 22, 2026 to 75.3 on October 19, 2026; Traditions First Bank (#57092) ranged 74.1 to 75.3 over 116 snapshots.

Traditions First Bank (#57092) alerts: 4 counties; top Traditions First Bank (#57092) alert scores: Dickson County, TN 45 (moderate); Clarksville County, TN 24 (low); Dover County, TN 24 (low); Erin County, TN 24 (low).