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.

From Q2 2025 to Q2 2026, the score fell 2 points (67 → 65), mostly because the earnings component weakened by 9 points.

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 Alabama

Yes. Traditions Bank is an FDIC-insured institution (FDIC certificate #57554). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.8% of deposits ($142.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.85% (benchmark: 10%).

Check how much of your own balance is covered

Traditions Bank lists 6 offices in 6 cities. Most locations:

• Arley, AL (1)
• Cullman, AL (1)
• Decatur, AL (1)
• Hanceville, AL (1)
• Holly Pond, AL (1)
• Warrior, AL (1)

All branch addresses and map

In 2025, Traditions Bank reported 245 home-loan applications under HMDA (LEI 254900GRDRKSA8ZPAJ55): 238 originated ($53,270,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.8%, 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.

Legal name

Traditions Bank

Type

State-chartered bank

FDIC certificate #

57554

RSSD ID

3194692

Primary regulator

FDIC

Holding company

Traditions Bancshares Inc

Established

August 4, 2003

Headquarters

109 2nd Ave Nw, Cullman, AL 35055

Website

www.traditionsal.com

Employees

93