🏦Bank Scorer

TRADITIONS BANK

CULLMAN, AL · Supervised by FDIC

Est. 2003FDIC #57,554RSSD: FDIC-57554
Part ofTRADITIONS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

109 2nd Ave Nw, CULLMAN, AL

County

Cullman County

Established

August 4, 2003

Total Assets

$875M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$875M

Total Deposits

$760M

Net Loans

$684M

Net Income

$2M

ROA

1.07%

ROE

10.62%

Risk-Based Capital

15.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.51%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$732M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,37184.61%7.51%
20231,43588.99%3.14%
202233395.8%2.10%
202139292.86%3.57%
202032491.05%5.25%
201920390.15%5.91%
201818685.48%12.37%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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