BlastPoint's Banking Scorecard
Tradition Capital Bank
Designations: ✓ Community bank
Wayzata, MN
4 branches across MN · AZ
Tradition Capital Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27.3% in tier
- + Efficiency Ratio 5.36% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 22.2% in tier
- - Loan-to-Deposit Ratio 18.38% above tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.56% below tier average
- - Net Interest Margin 0.94% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+3.6% YoY
+1.2% QoQ
|
-$140.0M |
$2.8B
-0.1% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$2.1B
+5.3% YoY
-2.3% QoQ
|
+$180.7M |
$2.0B
+0.6% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$2.1B
+10.1% YoY
+1.4% QoQ
|
-$251.7M |
$2.3B
-0.3% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
0.81%
+42.0% YoY
+14.2% QoQ
|
-0.56% |
1.37%
+19.6% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.88%
+17.1% YoY
+5.2% QoQ
|
-0.94% |
3.82%
+6.9% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio ? |
55.70%
-15.7% YoY
-6.4% QoQ
|
-5.36% |
61.06%
-4.6% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.16%
-9.1% YoY
-6.3% QoQ
|
-0.73% |
0.89%
+14.1% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
102.58%
-4.4% YoY
-3.6% QoQ
|
+18.38% |
84.20%
+0.3% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.52%
+16.4% YoY
+11.0% QoQ
|
-2.77% |
21.29%
-2.5% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.27%
+96.7% YoY
+22.4% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.46%
+3.7% YoY
+4.3% QoQ
|
-4.70% |
15.16%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.4% in tier |
| Non-Interest Income / Assets ? |
0.05%
+41.2% YoY
-69.4% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.6% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.