Traditional Bank, Inc. (FDIC certificate #2711) is based in Mount Sterling, Kentucky. Its Q2 2026 call report shows $2.4B in total assets and $2.1B in deposits and 19 offices.
Traditional Bank, Inc. has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 58th. Problem-loan coverage contributes the most (95/100, 2.5%); capital cushion contributes the least (56/100, 10.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (70 → 73), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.22% |
| Q3 2024 | 10.20% |
| Q4 2024 | 10.02% |
| Q1 2025 | 10.18% |
| Q2 2025 | 10.29% |
| Q3 2025 | 10.20% |
| Q4 2025 | 10.06% |
| Q1 2026 | 10.42% |
| Q2 2026 | 10.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.80% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $2.4B | 10.56% | 0.25% | 1.18% | 77.5% |
| Q1 2026 | 73 | $2.4B | 10.42% | 0.21% | 1.14% | 75.6% |
| Q4 2025 | 69 | $2.5B | 10.06% | 0.24% | 0.80% | 72.6% |
| Q3 2025 | 69 | $2.4B | 10.20% | 0.22% | 0.80% | 74.1% |
| Q2 2025 | 70 | $2.4B | 10.29% | 0.19% | 0.81% | 72.4% |
| Q1 2025 | 69 | $2.4B | 10.18% | 0.19% | 0.71% | 71.6% |
| Q4 2024 | 68 | $2.4B | 10.02% | 0.08% | 0.48% | 70.3% |
| Q3 2024 | 67 | $2.3B | 10.20% | 0.07% | 0.40% | 76.9% |
| Q2 2024 | 67 | $2.3B | 10.22% | 0.14% | 0.38% | 74.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central Bank, Inc.Bank Glasgow, KY | 72 out of 100, Strong | $2.3B | 9.9% | 0.30% | vs |
| Heritage Bank, Inc.Bank Burlington, KY | 65 out of 100, Moderate | $2.0B | 9.0% | 0.47% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Forcht Bank, National AssociationBank Lexington, KY | 66 out of 100, Moderate | $1.6B | 8.2% | 0.05% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
Deposit insurance
Is my money safe at Traditional Bank, Inc.?
Yes. Traditional Bank, Inc. is an FDIC-insured institution (FDIC certificate #2711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.1% of deposits ($645.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.11% (benchmark: 10%).
19 locations
Branches
Traditional Bank, Inc. lists 18 offices in 8 cities. Most locations:
- Lexington, KY (5)
- Mount Sterling, KY (4)
- Frankfort, KY (2)
- Paris, KY (2)
- Winchester, KY (2)
- Frenchburg, KY (1)
- Jeffersonville, KY (1)
- Shelbyville, KY (1)
HMDA 2025
Mortgage lending
In 2025, Traditional Bank, Inc. reported 914 home-loan applications under HMDA (LEI 549300D88XVKM6DJOC77): 759 originated ($197,695,000 total), 91 denied, and 59 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Traditional Bank, Inc.
- Former names
- Montgomery Bank & Trust Company; Montgomery & Traders Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 2711
- RSSD ID
- 786210
- Primary regulator
- FDIC
- Holding company
- Traditional Bcorp Inc
- Established
- March 17, 1902
- Headquarters
- 49 W Main St, Mount Sterling, KY 40353
- Website
- www.traditionalbank.com
- Employees
- 278
Quick answers
Traditional Bank, Inc.: common questions
Is Traditional Bank, Inc. FDIC insured?
Yes. Traditional Bank, Inc. is an FDIC-insured institution (FDIC certificate #2711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Traditional Bank, Inc.'s TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Traditional Bank, Inc. ever failed?
There is no failure record for FDIC certificate #2711 in the FDIC failed bank list.
How many branches does Traditional Bank, Inc. have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mount Sterling
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| Blue Grass Federal Savings and Loan AssociationBank Paris, KY | 79 out of 100, Strong | $58.5M | 15.9% | 0.00% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |