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Traditions First Bank
Erin, TN · FDIC Certificate #57092 · Chartered 11/3
Total assets
$336.57M
Total deposits
$300.08M
Total equity
$32.16M
Net loans
$255.98M
Branches (offices)
5
Net income (YTD)
$1.40M
Rank: #2,305 of 4,213 U.S. banks by assets · #69 of 109 in Tennessee. Assets changed 7.2% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.84% |
| Return on equity | 8.88% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 9.55% |
| Tier 1 leverage ratio | 9.91% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 85.3% |
| Real estate loans (share of loans) | 95.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $245.30M | 95.8% | |
| Commercial & industrial | $7.98M | 3.1% | |
| Consumer / individual | $3.70M | 1.4% | |
| Construction & development | $39.44M | 15.4% | |
| Agricultural | $586.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $229.68M | $213.96M | $730.00K | $13.50M |
| Jun 2023 | $279.67M | $253.65M | $644.00K | $22.57M |
| Jun 2024 | $302.84M | $270.46M | $1.04M | $23.39M |
| Jun 2025 | $313.87M | $277.72M | $1.32M | $29.53M |
| Jun 2026 | $336.57M | $300.08M | $1.40M | $32.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $300.08M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $300.08M.
Similar-sized banks
The First Trust And Savings Bank Of Watseka, Illinois ($337.13M) · Eastern Savings Bank, FSB ($336.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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