TellerScore

Traditions First Bank (FDIC certificate #57092) is based in Erin, Tennessee. Its Q2 2026 call report shows $336.6M in total assets and $300.1M in deposits and 5 offices.

Traditions First Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 58th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (49/100, 9.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.91%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 85.3% · 28.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.10%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 70).

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202468
Q1 202569
Q2 202569
Q3 202569
Q4 202569
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.53%10.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.22%
Q3 20249.74%
Q4 20249.77%
Q1 20259.72%
Q2 20259.88%
Q3 20259.91%
Q4 20259.79%
Q1 202610.06%
Q2 20269.91%
Noncurrent loans
0.00%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.01%
Q2 20260.01%
Return on assets
0.70%0.79%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.70%
Q4 20240.77%
Q1 20250.80%
Q2 20250.83%
Q3 20250.83%
Q4 20250.83%
Q1 20260.87%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$336.6M9.91%0.01%0.84%85.3%
Q1 202670$339.4M10.06%0.01%0.87%85.9%
Q4 202569$322.6M9.79%0.00%0.83%88.5%
Q3 202569$328.1M9.91%0.00%0.83%82.6%
Q2 202569$313.9M9.88%0.00%0.83%84.0%
Q1 202569$322.8M9.72%0.00%0.80%81.4%
Q4 202468$315.6M9.77%0.00%0.77%84.9%
Q3 202468$309.1M9.74%0.01%0.70%82.6%
Q2 202466$302.8M9.22%0.02%0.71%80.7%

2,650 peers · $100 million – $1 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).

Capital ratio9.91%
29th
Total risk-based capital0.00%
24th
Problem loans0.01%
85th
Net charge-offs0.03%
36th
Return on assets0.84%
25th
Net interest margin3.81%
43rd
Efficiency ratio70.5%
29th
Loans to deposits85.3%
37th
Uninsured deposits28.1%
34th
Loan-loss reserves0.71%
8th
Texas ratio0.1%
86th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Elizabethton Federal Savings BankBank Elizabethton, TN86 out of 100, Very strong$326.0M42.3%0.25%vs
Decatur County BankBank Decaturville, TN59 out of 100, Moderate$325.6M9.0%0.98%vs
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs
People's Bank and Trust Company of Pickett CountyBank Byrdstown, TN70 out of 100, Strong$319.0M10.8%0.73%vs
TnbankBank Oak Ridge, TN58 out of 100, Moderate$318.1M10.6%1.34%vs
Community BankBank Lexington, TN64 out of 100, Moderate$357.5M10.6%0.71%vs

Deposit insurance

Is my money safe at Traditions First Bank?

Yes. Traditions First Bank is an FDIC-insured institution (FDIC certificate #57092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.1% of deposits ($84.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Traditions First Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Traditions First Bank reported 97 home-loan applications under HMDA (LEI 549300I58H1B8G6KOY91): 72 originated ($21,600,000 total), 13 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.4%, 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
Traditions First Bank
Type
State-chartered bank
FDIC certificate #
57092
RSSD ID
2963864
Primary regulator
FDIC
Holding company
Traditions First Bcorp Inc
Established
November 30, 2000
Headquarters
5745 E Main St, Erin, TN 37061
Employees
50

Quick answers

Traditions First Bank: common questions

Is Traditions First Bank FDIC insured?

Yes. Traditions First Bank is an FDIC-insured institution (FDIC certificate #57092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Traditions First Bank's TellerScore?

70 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 Traditions First Bank ever failed?

There is no failure record for FDIC certificate #57092 in the FDIC failed bank list.

How many branches does Traditions First Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Erin

InstitutionScoreAssetsCapitalProblem loansCompare
Johnsonville TVA Employees Credit UnionCredit union Camden, TN92 out of 100, Very strong$180.7M16.4%0.73%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
Fortera Federal Credit UnionCredit union Clarksville, TN78 out of 100, Strong$946.7M12.7%0.65%vs
Bank of DicksonBank Dickson, TN78 out of 100, Strong$291.0M11.5%0.00%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Planters Bank, Inc.Bank Hopkinsville, KY77 out of 100, Strong$2.0B12.4%0.11%vs