TRADITION CAPITAL BANK

WAYZATA, MN | Large | Est. July 1, 2005, midnight | FDIC #58057 | RSSD #3344321 | FDIC
Latest Report: 2025-12-31

TRADITION CAPITAL BANK is aln large FDIC-insured commercial bank headquartered in WAYZATA, MN, established in July 1, 2005, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.1B. Profitability stands at 0.82% ROA and 10.36% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 10.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 2.42%. FDIC Certificate #58057.

Assets

$2.6B

Deposits

$2.1B

Loans

$2.2B

Equity

$216M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 10.36%
Net Interest Margin (NIM) 3.19%
Yield on Assets 6.05%
Cost of Funds 3.85%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.08%
Texas Ratio 2.42%
NPA Ratio 0.22%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 10.03%
Tier 1 Capital 10.03%
Total Capital Ratio 11.22%
Leverage Ratio 8.30%
Loan-to-Deposit 107.74%

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