Traditions Bank
Cullman, AL
IDRSSD: 3194692
Total Assets
$857.06M
Latest filing
Total Deposits
$748.14M
Latest filing
Net Interest Margin
5.39%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Traditions Bank
109 2nd Ave Nw
Cullman, AL 35055
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/04/2003FDIC Certificate 365489
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Traditions Bank (Main) | 109 2nd Ave Nw | Cullman, AL |
| HOLLY POND OFFICE | 40 Holly Pond Blountsville Rd | Holly Pond, AL |
| ARLEY BRANCH | 19 Helicon Rd | Arley, AL |
| HAYDEN BRANCH | 121 White Oak Trl | Warrior, AL |
| DODGE CITY BRANCH | 639 Alabama Highway 69s | Hanceville, AL |
| PRICEVILLE BRANCH | 380 Highway 67 S | Decatur, AL |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 08/04/2003 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35055 |
| State and County Number | 01043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Cullman, AL |
Operational Info
| Number of Employees | 90 |
| Domestic Offices | 6 |
| 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 | 08/04/2003 |
| Primary Insurance Agency | DIF |
| Website | www.traditionsal.com |
| Data Updated | 11/14/2025 |
| CERT | 57554 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $857.06M |
| Total Deposits | $748.14M |
| Total Liabilities | $774.69M |
| Total Equity Capital | $82.37M |
| Net Income | $2.71M |
| Net Loans and Leases | $679.41M |
| Assets Per Employee ($Millions) | $9.22M |
| Bank Premises and Fixed Assets | $21.70M |
| Cash and Balances due from Depository Institutions | $108.08M |
| Deposits Held in Domestic Offices | $748.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 13.32% |
| Net Interest Margin | 5.39% |
| Efficiency Ratio | 59.81% |
| Tier 1 Risk-Based Capital Ratio | 12.972% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.62% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.611% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $14.99M |
| Total Noninterest Income | $1.58M |
| Total Interest Expense | $4.38M |
| Total Noninterest Expense | $7.29M |
| Net Interest Income | $10.61M |
| Pre-tax Net Operating Income | $3.59M |
| Provision for Credit Losses | $1.31M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.88M |
| Other borrowed funds | $15.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.06M |
| Total Liabilities and Capital | $857.06M |
Securities
| Securities | $28.13M |
| Available-for-sale debt securities | $24.11M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $4.01M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Traditions Bank?
$857.06M as of the latest filing.
How much are Traditions Bank's total deposits?
$748.14M in total deposits.
Where is Traditions Bank located?
Cullman, AL.
What is the Net Interest Margin?
5.39%.
How many domestic offices does it operate?
6.
When was it established?
08/04/2003.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$679.41M (latest filing).
What is the total interest income (latest filing)?
$14.99M.