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Tradition Capital Bank

$1B-$10B Specialty: Commercial MN FDIC cert 58057

Designations: ✓ Community bank

Wayzata, MN

4 branches across MN · AZ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
  • Deposits +10.1% year over year ($2.1B on the books).
  • Delinquency rate 0.02%.
  • Return on assets 0.91%.
  • Efficiency ratio 53.77% vs a 59.73% peer average.
  • Loan-to-deposit ratio 106.03% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN
View $1B-$10B leaderboard (MN) →

Tradition Capital Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.85% below tier average
  • + Efficiency Ratio 5.95% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 27.0% in tier
  • - Loan-to-Deposit Ratio 21.00% above tier average
  • - Non-Interest Income / Assets 0.45% below tier average
  • - ROA 0.48% below tier average
  • - Net Interest Margin 0.93% below tier average
Get updates when Tradition Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $2.7B
+4.7% YoY +1.5% QoQ
-$76.1M $2.8B
-0.6% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $2.2B
+6.2% YoY +3.7% QoQ
+$261.4M $2.0B
-0.3% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $2.1B
+10.1% YoY +0.3% QoQ
-$220.8M $2.3B
-0.5% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.91%
+49.4% YoY +12.9% QoQ
-0.48% 1.39%
+17.0% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 2.94%
+14.2% YoY +1.9% QoQ
-0.93% 3.87%
+6.2% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Bottom 12.5% in tier
Efficiency Ratio ? 53.77%
-14.0% YoY -3.5% QoQ
-5.95% 59.73%
-12.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.02%
-93.1% YoY -90.5% QoQ
-0.85% 0.87%
+11.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 4.9% in tier
Loan-to-Deposit Ratio ? 106.03%
-3.6% YoY +3.4% QoQ
+21.00% 85.04%
-0.1% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 6.7% in tier
Non-Interest-Bearing Deposit Share ? 19.35%
+21.6% YoY +4.5% QoQ
-1.93% 21.27%
-1.5% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.15%
-16.2% YoY -45.6% QoQ
-0.53% 0.67%
+11.7% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 10.32%
+3.8% YoY -1.4% QoQ
-4.53% 14.84%
-0.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 8.6% in tier
Non-Interest Income / Assets ? 0.08%
+8.6% YoY +69.6% QoQ
-0.45% 0.53%
+2.5% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 6.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 19.3%
+3.4pp YoY
+0.8pp QoQ
 -2.0pp 21.4% 21.9% 22.2% 47%
Brokered Deposits 4.7%
-2.7pp YoY
-0.6pp QoQ
 -4.8pp 9.5% 8.3% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 19.1%
+1.5pp YoY
-0.5pp QoQ
 +5.1pp 14.0% 14.6% 12.5% 79%
CRE 49.9%
0.0pp YoY
+0.7pp QoQ
 -0.2pp 50.0% 36.5% 41.4% 50%
1-4 Family 26.8%
-2.8pp YoY
-1.4pp QoQ
 +0.4pp 26.4% 29.4% 31.3% 59%
Consumer 1.0%
+0.3pp YoY
+0.5pp QoQ
 -3.7pp 4.7% 4.5% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 10.3%
+0.4pp YoY
-0.1pp QoQ
 -5.3pp 15.6% 16.5% 19.7% 2%
Leverage Ratio 8.9%
+0.6pp YoY
+0.1pp QoQ
 -2.4pp 11.3% 11.0% 12.6% 9%
Total Capital Ratio 11.5%
+0.3pp YoY
-0.2pp QoQ
 -5.2pp 16.7% 17.6% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 167
+13 (+8.4%) YoY
+14 (+9.2%) QoQ
 -147 313 55 482 30%
Assets per Employee ($) $16.3M
-3.5% YoY
-7.0% QoQ
 +$5.8M $10.5M $8.6M $8.8M 91%
Branch Count 4
0 YoY
0 QoQ
 -16 20 4 18 10%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 2%
Allowance Coverage 80.29x
+1299.9% YoY
+930.3% QoQ
 +61.58x 18.71x 20.41x 20.23x 98%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 11.0%
+3.1pp YoY
+1.2pp QoQ
 -1.6pp 12.6% 13.1% 11.6% 41%
Cost of Funds (YTD) 2.4%
-0.5pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.7% 1.7% 82%
Net Income ($, YTD) $12.2M
+56.2% YoY
— QoQ
 -$7.0M $19.2M $4.5M $40.4M 49%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#61 of 222 • Bottom 27.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.32%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

44
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.87%
#44 of 882 Top 4.9% in $1B-$10B
190
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#190 of 885 Top 21.4% in $1B-$10B

Top Weaknesses (5 metrics)

827
Loan-to-Deposit Ratio
liquidity
Value: 106.03%
Peer Median: 85.04%
#827 of 885 Bottom 6.7% in $1B-$10B
826
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#826 of 885 Bottom 6.8% in $1B-$10B
810
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 14.84%
#810 of 885 Bottom 8.6% in $1B-$10B
775
Net Interest Margin
profitability
Value: 2.94%
Peer Median: 3.87%
#775 of 885 Bottom 12.5% in $1B-$10B
673
Return on Assets
profitability
Value: 0.91%
Peer Median: 1.39%
#673 of 885 Bottom 24.1% in $1B-$10B
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