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Traditional Bank Inc

IDRSSD: 786210
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 786210 held $2.4B in total assets as of 2026-03-31 (-2.2% quarter-over-quarter). Total loans stood at $1.6B (+1.6% QoQ) and total deposits at $2.1B (-2.5% QoQ).

Overall position is adequate — the composite Health Score is 58/100 (Adequate). Tier 1 / RWA stands at 13.83%, in the above median of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
58/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$2.4B
-2.2% QoQ
Total Loans
$1.6B
+1.6% QoQ
Total Deposits
$2.1B
-2.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.83%
54th pctile · n=386↑ better
+12 bp QoQ
CET1 / RWA
13.83%
66th pctile · n=495↑ better
+12 bp QoQ
Total RBC / RWA
14.91%
54th pctile · n=386↑ better
+11 bp QoQ
Tier 1 Leverage Ratio
13.83%
64th pctile · n=495↑ better
+12 bp QoQ

Liquidity

Cash / Assets
2.16%
16th pctile · n=495↑ better
-235 bp QoQ
Loans / Deposits
75.62%
24th pctile · n=493↓ better
+305 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.21%
22th pctile · n=495↓ better
-3 bp QoQ
NPA / Assets
0.20%
26th pctile · n=495↓ better
-1 bp QoQ
Texas Ratio (regulatory)
1.76%
25th pctile · n=495↓ better
-16 bp QoQ
Net Charge-Offs / Avg Loans
0.04%
61th pctile · n=495↓ better
+1 bp QoQ
ALLL Coverage of NPL
498.84%
79th pctile · n=495↑ better
+6015 bp QoQ

Earnings

Net Interest Margin
3.27%
25th pctile · n=495↑ better
+3 bp QoQ
Return on Assets
1.14%
47th pctile · n=495↑ better
+35 bp QoQ
Return on Equity
13.32%
63th pctile · n=495↑ better
+385 bp QoQ
Efficiency Ratio
52.74%
29th pctile · n=495↓ better
-937 bp QoQ
Pre-tax NOI / Avg Assets
1.65%
60th pctile · n=495↑ better
+43 bp QoQ

Funding

Brokered / Deposits
11.90%
83th pctile · n=493↓ better
-190 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.17%
35th pctile · n=495↓ better
-1 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
26.27%
87th pctile · n=495↑ better
+2 bp QoQ
AFS Securities / Assets
26.27%
91th pctile · n=495↑ better
+2 bp QoQ
HTM Securities / Assets
0.00%
26th pctile · n=495↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 04:20:55 UTC