Traditional Bank, Inc.

Chartered Bank Active FDIC Insured
Health Score
9.5 / 10

49 W Main St, Mount Sterling, KY 40353

Financial Overview

Total Assets $2.41B
Total Deposits $2.14B
Profitability (ROA) 1.14%
Shareholder Return (ROE) 13.32%
Capital Cushion (Eq/Assets) 8.72%
Established 03/17/1902

Financial Health Analysis

Traditional Bank, Inc. is a currently active commercial lending specialization banking institution headquartered in Mount Sterling, Kentucky. Established in 03/17/1902, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Traditional Bank, Inc. manages $2.41B in total assets and holds $2.14B in customer deposits. When evaluating the stability of Traditional Bank, Inc., one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.72%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.14%, while its Return on Equity (ROE) sits at 13.32%. These robust metrics contribute to an overall health score of 9.5 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$107.1M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.traditionalbank.com

FDIC Certificate #: 2711

Specialization: Commercial Lending Specialization

Location

49 W Main St

Mount Sterling, Kentucky 40353

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