Traditions Bank (FDIC #57554): Bank Stress & Real-Estate Credit Exposure
Traditions Bank (FDIC Cert #57554): bank stress 67/100, elevated, STABLE over 7 days; parent TRADITIONS BANCSHARES INC.
Traditions Bank (#57554) lends in 4 counties across 1 state; Traditions Bank (#57554) reaches 50 ZIP codes: Alabama 4 counties, 50 ZIPs.
Traditions Bank (#57554) largest markets: Cullman County, AL (57 branches, 19 ZIPs) (#57554), Blount County, AL (17 branches, 17 ZIPs) (#57554), Morgan County, AL (16 branches, 16 ZIPs) (#57554), Winston County, AL (12 branches, 12 ZIPs) (#57554).
Traditions Bank (#57554) reports $890.9 million in total assets; Traditions Bank (#57554) equity $91.1 million (10.2% of Traditions Bank (#57554) assets); Traditions Bank (#57554) domestic deposits $756.1 million; Traditions Bank (#57554) net income $4.9 million; Traditions Bank (#57554) return on assets 1.12%; Traditions Bank (#57554) return on equity 11.02%; Traditions Bank (#57554) net interest income $20.7 million; Traditions Bank (#57554) call report June 30, 2026.
Traditions Bank (#57554) noncurrent real-estate loans 0.09% of its book; Traditions Bank (#57554) net charge-offs on real estate 1.05%; Traditions Bank (#57554) residential charge-offs 1.58%.
Traditions Bank (#57554) net interest margin 5.10% against an eight-quarter Traditions Bank (#57554) average of 5.14% (Traditions Bank (#57554) compression 0.04 points); Traditions Bank (#57554) real-estate loans 9.2% of equity; Traditions Bank (#57554) non-residential real estate 158.4% of equity; Traditions Bank (#57554) rate-exposure score 40/100, Traditions Bank (#57554) fixed-rate trap 40/100; Traditions Bank (#57554) risk type credit driven; Traditions Bank (#57554) rate regime rates elevated, Traditions Bank (#57554) snapshot October 20, 2026.
Traditions Bank (#57554) stress score moved from 67.2 on June 22, 2026 to 67.4 on October 20, 2026; Traditions Bank (#57554) ranged 67.2 to 67.4 over 117 snapshots.
Traditions Bank (#57554) alerts: 4 counties; top Traditions Bank (#57554) alert scores: Arley County, AL 23 (low); Decatur County, AL 23 (low); Holly Pond County, AL 23 (low); Warrior County, AL 23 (low).