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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

Traditional Bank Inc

Mount Sterling, Kentucky · $2.44B in assets · beside the 11 other Kentucky banks between $1B and $3B

The filing

44.8%
CRE / loans
10th of 12
266.6%
CRE / capital
10th of 12
8.8%
Equity / assets
9th of 12

Traditional Bank Inc is the largest of the 12 Kentucky banks between $1B and $3B, with $2.44B in assets at 30 June 2026. Loans are 78.3% of deposits, 5th of 12 against a median of 80.1%, and equity is 8.8% of assets, 9th of 12. Loans grew +6.8% in the year, 4th of 12, and deposits fell 0.1%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.25% of the book, 6th of 12 against a median of 0.28%; 0.19% is 30 to 89 days past due, and the allowance covers them 4.0 times. Commercial real estate is 44.8% of loans, 10th of 12 against a median of 33.1%, and 267% of capital, below the 300% screen, with construction at 93% against the 100% screen. CRE has grown +51.4% over 36 months, past the guidance's 50% prong.

Return on assets is 1.16%, 7th of 12 against a median of 1.22%, on an efficiency ratio of 53.2%, 5th of 12. Five years ago it was 1.92%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansKY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 33.1% CF Community Finl Services Bank 13.6% FS First Southern National Bank 27.2% WB Whitaker Bank 30.5% ES Edmonton State Bank 31.4% PB Paducah Bank & Trust Co. 31.7% FB Forcht Bank National Association 32.8% CB Cecilian Bank 33.4% MB Monticello Banking Co. 37.1% SC South Central Bank Inc 37.9% TB Traditional Bank Inc 44.8% PB Planters Bank Inc 45.1% HB Heritage Bank Inc 47.0%
Loans, year over yearKY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% SC South Central Bank Inc +11.9% ES Edmonton State Bank +10.4% PB Paducah Bank & Trust Co. +8.4% TB Traditional Bank Inc +6.8% WB Whitaker Bank +6.2% FS First Southern National Bank +5.1% HB Heritage Bank Inc +2.8% CB Cecilian Bank +2.3% FB Forcht Bank National Association +1.6% CF Community Finl Services Bank -0.8% PB Planters Bank Inc -3.2% MB Monticello Banking Co. -8.0%

SBA 7(a), FY2008 to FY2026

Traditional Bank Inc is the 11th largest 7(a) lender into Kentucky of 267, with $57M across 171 loans, 1.8% of everything approved in the state (The Huntington National Bank leads with $254M). 18 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kentucky, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fayette, KY$32M1st of 8510.2%quiet FY2022
Montgomery, KY$9M1st of 1051.9%quiet FY2014
Jefferson, KY$3M55th of 1230.4%-0.1 pts
Bourbon, KY$2M1st of 1819.1%quiet FY2015
Jessamine, KY$2M5th of 316.6%quiet FY2014
Wolfe, KY$1M1st of 295.1%quiet FY2010
Clark, KY$1M8th of 265.0%quiet FY2018
Mason, KY$998K4th of 118.3%quiet FY2013
Scott, KY$933K10th of 312.5%quiet FY2012
Woodford, KY$775K4th of 184.0%quiet FY2014
Boyle, KY$709K5th of 157.0%quiet FY2018
Powell, KY$707K2nd of 628.2%quiet FY2010
Oldham, KY$440K28th of 400.5%thin
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services44$22M39.0%0.03%365th of 2,596
Retail trade31$10M17.2%0.02%490th of 2,589
Construction17$4M6.9%0.01%663rd of 2,063
Health care & social assistance24$4M6.7%0.01%640th of 2,172
Wholesale trade8$3M5.0%0.01%606th of 1,651
7(a) lenders into Kentucky, share of approvals since FY2008267 lenders on record; the ten largest and Traditional Bank Inc
TH The Huntington National Bank 8.1% $254M · 1,146 loans SY Stock Yards Bank & Trust Company 7.7% $241M · 552 loans LO Live Oak Banking Company 7.4% $232M · 177 loans UB U.S. Bank, National Association 6.6% $206M · 1,215 loans CT Community Trust Bank, Inc. 5.7% $177M · 1,139 loans RB Republic Bank & Trust Company 4.4% $136M · 414 loans JC JPMorgan Chase Bank, National Ass… 2.1% $67M · 343 loans FF First Financial Bank 2.0% $64M · 158 loans G Gbank 2.0% $61M · 31 loans FT Fifth Third Bank 1.9% $58M · 209 loans TB Traditional Bank Inc 1.8% $57M · 171 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Traditional Bank IncRankCohort median
Total CRE against capital, the 300% screen267%10th of 12238%
Construction against capital, the 100% screen93%12th of 1269%
Construction and land development, share of loans15.7%12th of 1210.4%
Non-owner-occupied nonfarm nonresidential, share of loans25.7%11th of 1217.7%
Total CRE, the guidance definition, share of loans44.8%10th of 1233.1%
CRE growth over 36 months, the third prong+51.4%12th of 12+16.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Traditional Bank Inc$2.44B1.2%53.2%0.25%0.03%1.0%78.3%8.8%
South Central Bank Inc$2.26B1.4%53.1%0.30%0.00%1.0%90.6%9.0%
Heritage Bank Inc$1.99B1.0%63.8%0.47%0.12%1.2%67.9%7.2%
Planters Bank Inc$1.96B1.3%51.1%0.11%0.01%1.4%85.9%11.8%
Whitaker Bank$1.93B1.4%60.8%0.21%0.06%1.5%68.3%11.5%
Forcht Bank National Association$1.65B0.7%75.2%0.05%0.01%1.2%76.0%8.9%
Cecilian Bank$1.59B1.6%50.6%0.40%0.01%1.1%80.4%10.3%
Community Finl Services Bank$1.37B1.0%67.4%0.42%0.23%1.3%79.8%8.3%
First Southern National Bank$1.28B0.8%62.4%0.61%0.05%1.7%71.0%11.6%
Edmonton State Bank$1.15B2.5%49.4%0.32%0.01%1.1%92.8%12.0%
Monticello Banking Co.$1.07B1.0%69.8%0.11%0.01%1.2%83.8%8.7%
Paducah Bank & Trust Co.$1.07B2.2%54.7%0.19%0.02%1.5%95.9%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Traditional Bank IncCohort median
20212026Change20212026Change
Loans$1.20B$1.68B+40%$823M$1.09B+32%
Deposits$1.85B$2.14B+15%$1.17B$1.41B+20%
NPA / loans1.67%0.25%-1.41 pts0.52%0.28%-0.24 pts
Efficiency40.7%53.2%+12.6 pts59.8%57.8%-2.1 pts
ROA1.92%1.16%-0.76 pts1.07%1.22%+0.15 pts

This read was prepared for Traditional Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Traditional Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KY banks $1B to $3B
Institution www.traditionalbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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