Traditional Bank, Inc.
Mount Sterling, KY
IDRSSD: 786210
Total Assets
$2.39B
Latest filing
Total Deposits
$2.13B
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Traditional Bank, Inc.
49 W Main St
Mount Sterling, KY 40353
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/17/1902FDIC Certificate 1753
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Traditional Bank, Inc. (Main) | 49 W Main St | Mount Sterling, KY |
| MAYSVILLE ROAD BRANCH | 637 Maysville Rd | Mount Sterling, KY |
| MIDLAND TRAIL BRANCH | 7450 Indian Mound Drive | Mount Sterling, KY |
| FRENCHBURG BRANCH | 114 Main St | Frenchburg, KY |
| MONTGOMERY SQUARE BRANCH | 1378 Indian Mound Dr | Mount Sterling, KY |
| JEFFERSONVILLE BRANCH | 7880 Main St | Jeffersonville, KY |
| SHORT STREET BRANCH | 163 W Short St | Lexington, KY |
| COLBY RD WINCHESTER | 875 Colby Rd | Winchester, KY |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/17/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40353 |
| State and County Number | 21173 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Mount Sterling, KY |
Operational Info
| Number of Employees | 280 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.traditionalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 2711 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.39B |
| Total Deposits | $2.13B |
| Total Liabilities | $2.19B |
| Total Equity Capital | $200.91M |
| Net Income | $4.65M |
| Net Loans and Leases | $1.58B |
| Assets Per Employee ($Millions) | $8.66M |
| Bank Premises and Fixed Assets | $21.39M |
| Cash and Balances due from Depository Institutions | $57.33M |
| Deposits Held in Domestic Offices | $2.13B |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 9.63% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 60.31% |
| Tier 1 Risk-Based Capital Ratio | 13.843% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.402% |
| Earning Assets to total Assets | 94.7% |
Income and Expense
| Total Interest Income | $30.19M |
| Total Noninterest Income | $2.67M |
| Total Interest Expense | $13.06M |
| Total Noninterest Expense | $11.95M |
| Net Interest Income | $17.14M |
| Pre-tax Net Operating Income | $7.21M |
| Provision for Credit Losses | $657.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.29M |
| Other borrowed funds | $4.39M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.17M |
| Federal Funds Purchased and Repurchased Agreement | $37.54M |
| All Other Liabilities | $17.80M |
| Total Liabilities and Capital | $2.39B |
Securities
| Securities | $657.82M |
| Available-for-sale debt securities | $657.82M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Traditional Bank, Inc.?
$2.39B as of the latest filing.
How much are Traditional Bank, Inc.'s total deposits?
$2.13B in total deposits.
Where is Traditional Bank, Inc. located?
Mount Sterling, KY.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
20.
When was it established?
03/17/1902.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$1.58B (latest filing).
What is the total interest income (latest filing)?
$30.19M.