Traditions First Bank
Traditions First Bank is a privately held, FDIC-insured Tennessee community bank operating five branches across Houston, Dickson, Stewart, and Montgomery counties, serving retail consumers and local small businesses with personal checking, savings, lending, and digital banking products through a relationship-based model.
- Company typePrivate
- Founded2000
- HeadquartersErin, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Traditions First Bank does
Traditions First Bank is a privately held, FDIC-insured Tennessee community bank founded on November 30, 2000, as the first community bank established in Houston County in over 60 years. Headquartered in Erin, Tennessee, the bank operates five physical branches across four Tennessee counties - Houston (Erin), Dickson (Dickson), Stewart (Dover), and Montgomery (two Clarksville locations) - serving both retail consumers and small-to-medium local businesses with a relationship-based, locally owned banking model.
The bank's product set spans three pillars: personal banking (checking including Secure, Plus, and Basic tiers; savings; CDs; Traditional, Roth, and Education IRAs), business banking (Traditional Business Checking and Commercial Checking for higher-volume entities), and a full lending suite (mortgage loans including FHA/VA/USDA and 100% financing, auto, business, real estate, home equity lines of credit, and commercial lending with a dedicated seven-person VP lender team). Underpinning these products is a conventional banking technology stack: an FIS Card Suite Lite-powered mobile application for debit and credit card controls, EMV chip card issuance, free online and mobile banking, eStatements, bill pay, 24-hour telephone banking, and a ScoreCard rewards loyalty program. The bank supplements its offerings with financial education resources including credit Q&A content and financial calculators, plus bundled identity theft protection (IDProtect with up to $10,000 fraud reimbursement) and accidental death insurance on Secure Checking.
The revenue model is a standard community bank model with three streams: interest income on the loan portfolio (mortgage, auto, business, real estate, home equity), fee income from standard retail banking charges ($30 overdraft, $5 card replacement, wire transfer, stop payment, dormant fees), and net interest margin on deposits (checking tiered with average daily balance waivers, savings, CDs at $1,000 minimum from 7 days to 5 years). Distribution is anchored in physical branches with lobby and drive-thru services Monday-Friday, augmented by 24/7 digital channels. Go-to-market is sales-led and relationship-based, emphasizing community sponsorships (Irish Celebration, ALS research), local economic reinvestment, and knowing customers by name.
Traditions First Bank firmographics
Firmographics- Name
- Traditions First Bank
- Legal name
- Traditions First Bank
- Website
- https://traditionsfirst.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Traditions First Bank is a privately held, FDIC-insured Tennessee community bank operating five branches across Houston, Dickson, Stewart, and Montgomery counties, serving retail consumers and local small businesses with personal checking, savings, lending, and digital banking products through a relationship-based model.
- Ownership category
- akta.pro rank
Traditions First Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Traditions First Bank is headquartered
LocationHeadquarters
- HQ city
- Erin
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Traditions First Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Primary revenue from interest earned on loan products including mortgage loans, auto loans, business loans, real estate loans, and home equity lines of credit.
- Fee Income: Various banking fees including overdraft charges ($30), ATM/debit card replacement ($5), wire transfers, stop payment fees ($30), dormant fees, and account service charges.
- Deposit Products: Revenue from certificate of deposit accounts with terms from 7 days to 5 years, individual retirement accounts (Traditional, Roth, Education), and savings accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Traditions Secure Checking - $100 to open, $5 monthly service charge (waived for age 62+) |
| Subscription | Monthly | Traditions Plus Checking - Interest-bearing account with tiered service charges |
| Subscription | Monthly | Traditions Basic Checking - $50 to open, requires direct deposit |
| Subscription | Monthly | Money Market Account - $1,000 minimum average daily balance |
| Subscription | Monthly | Traditional Savings - $100 minimum average daily balance |
| Subscription | Annual | Christmas Club - $25 to open |
| Subscription | Pay-as-you-go | Certificates of Deposit - $1,000 minimum |
| Subscription | Pay-as-you-go | Individual Retirement Accounts - $500 minimum deposit |
| Subscription | Monthly | Traditional Business Checking - $100 to open |
| Subscription | Monthly | Commercial Checking - $500 to open |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Traditions First Bank product offering
Product offeringCore offering
Traditions First Bank is a community bank that provides personal and business deposit accounts (checking, savings, CDs, IRAs) and a full lending suite (mortgage, auto, commercial, real estate, home equity lines of credit, overdraft protection). The bank is delivered through five physical branches across Tennessee, complemented by online and mobile banking, bill pay, eStatements, telephone banking, and the Card Suite Lite mobile card-control app.
Product overview
Traditions First Bank is a community bank offering a comprehensive suite of traditional banking products and digital services. The core product portfolio includes personal banking (checking, savings, CDs, IRAs), business banking (business and commercial checking), and lending (mortgage, auto, business, real estate, home equity). Digital services encompass online banking, mobile banking app, bill pay, eStatements, telephone banking, and card management (Card Suite Lite app and chip cards). The bank differentiates through bundled account benefits including IDProtect identity theft protection, ScoreCard Rewards loyalty program, and financial education resources. The bank operates five physical locations across Tennessee (Erin, Dickson, Dover, Clarksville Downtown, Clarksville Madison Street) with an emphasis on community banking values.
Differentiator
Problem solved
Functional benefit
Products and services
- Traditions Secure Checking
- Traditions Plus Checking
- Traditions Basic Checking
- Traditions First Money Market Account
- Traditional Savings Account
- Traditions Advantage Savings
- Christmas Club Account
- Certificates of Deposit
- Individual Retirement Accounts (IRAs)
- Traditional Business Checking
- Traditions First Commercial Checking
- Mortgage Loans
- Auto Loans
- Business Loans
- Real Estate Loans
- Overdraft Protection
- Home Equity Line of Credit
- Commercial Lending
- Online Banking
- Bill Pay
- eStatements
- Mobile Banking
- ScoreCard Rewards
- 24-hour Access Line / Telephone Banking
- Card Suite Lite
- Chip Cards
Companies that use Traditions First Bank
Customer profileSegments3 records
Ideal customer profiles2 records
Traditions First Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Traditions First Bank partnerships and signals
Strategic signalScale indicators3 records
Recent moves12 records
Expansion highlights5 records
Traditions First Bank competitors and assessment
Company assessmentEmerging players
- SmartBank: Tennessee-headquartered community bank expanding across the Southeast with consumer and business banking offerings. Comparable community-bank model and Tennessee presence, with a more growth-oriented expansion trajectory than Traditions First Bank.
Direct peers
- Bank of Tennessee: Tennessee community bank offering consumer and commercial banking across the region. Direct comparable in community-bank model and middle Tennessee customer base.
- Greene County Bank: Tennessee community bank serving middle Tennessee with traditional deposit, lending, and small business products. Comparable in scale, geographic concentration, and community-bank value proposition.
- Macon Bank & Trust: Tennessee community bank serving middle Tennessee with consumer deposits, mortgage, and small business banking. Comparable scale and community-bank positioning to Traditions First Bank.
- Volunteer State Bank: Tennessee community bank headquartered in Portland, TN with personal and business banking services including mortgage and commercial lending. Comparable rural/middle-Tennessee community bank footprint and product mix.
- Wilson Bank & Trust: Tennessee community bank headquartered in Lebanon, TN with a multi-county middle-Tennessee branch network. Comparable in model (relationship-based community banking), product suite (deposits, mortgage, commercial lending), and target market (small businesses and consumers in middle Tennessee).
- FirstBank (FirstBank of Tennessee): Tennessee-headquartered community bank with a footprint across middle and western Tennessee offering consumer and commercial banking. Closely comparable in operating geography, customer segment, and community-bank value proposition to Traditions First Bank.
- Citizens Bank of Tennessee: Tennessee community bank serving middle Tennessee with personal and business banking products including commercial lending. Direct comparable in market geography (middle Tennessee), product mix, and relationship-based community bank positioning.
Broad incumbents
- Pinnacle Financial Partners: Large Nashville-headquartered Tennessee bank with significant presence across the state including the Clarksville market. Operates as a broader commercial and consumer bank with overlapping services, but at meaningfully larger scale than Traditions First Bank.
- First Horizon National Corporation: One of Tennessee's largest banks, headquartered in Memphis with statewide presence. Competes with Traditions First Bank in middle Tennessee markets including Clarksville, with broader product suite and significantly larger balance sheet.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Traditions First Bank social profiles
Digital presenceTraditions First Bank compliance and trust
Trust signalCompliance2 records
Traditions First Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Traditions First Bank leadership team
Management profileNumber of profiles
Profiles25 records
Traditions First Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Traditions First Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Traditions First Bank
What does Traditions First Bank do?
Traditions First Bank is a community bank that provides personal and business deposit accounts (checking, savings, CDs, IRAs) and a full lending suite (mortgage, auto, commercial, real estate, home equity lines of credit, overdraft protection). The bank is delivered through five physical branches across Tennessee, complemented by online and mobile banking, bill pay, eStatements, telephone banking, and the Card Suite Lite mobile card-control app.
Is Traditions First Bank a public or private company?
Traditions First Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Traditions First Bank founded?
Traditions First Bank was founded in 2000. It employs 11 to 50 people.
Where is Traditions First Bank based?
Traditions First Bank is headquartered in Erin, United States, in the North America region.
How does Traditions First Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee Income and deposit Products.
Who are Traditions First Bank's main competitors?
SmartBank is listed as an emerging player. Direct peers are Bank of Tennessee, Greene County Bank, Macon Bank & Trust, Volunteer State Bank, Wilson Bank & Trust, FirstBank (FirstBank of Tennessee) and Citizens Bank of Tennessee. Broad incumbents are Pinnacle Financial Partners and First Horizon National Corporation.
Does Traditions First Bank have an API?
No public API is recorded for Traditions First Bank.
What industry is Traditions First Bank in?
Traditions First Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 5221 and its SIC code is 6022.