Tradition Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Tradition Capital Bank is an FDIC-insured commercial bank headquartered in Wayzata, MN, established in 2005 (FDIC certificate 58057), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.72B, up 4.7% from Q2 2025, the 7th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 10.32% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58057
- Headquarters
- Wayzata, MN
- Established
- 2005
- Total assets, Q2 2026
- $2.72B
- Assets vs Q2 2025
- +4.7%
- CET1 ratio, Q2 2026
- 10.32%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091017471
- Holding company
- TRADITION BANCSHARES, INC.
- Asset rank in state
- 7th of 221 in Minnesota
Tradition Capital Bank operates with a thinner capital cushion than most banks of its size. It reported $2.7 billion in assets at June 30, 2026, up 4.7% from a year earlier. It holds common equity equal to 10.32% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also keeps 2.96 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $6.8 million, 63% above the same quarter a year earlier. Over the same year, loans grew 6.1% and deposits grew 10.1%. Funding is the softer spot: it holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Tradition Capital Bank reported a CET1 capital ratio of 10.32%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 1.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Tradition Capital Bank is the 7th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $2.72B, loans rose 3.7% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.5% of total loans, ahead of commercial and industrial loans at 18.9%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Edina office books 58% of its branch deposits. On its Q2 2026 call report, Tradition Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Lake St W, Wayzata, MN 55391
- County
- Hennepin
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 1, 2005
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 167
- Domestic deposits
- $2.10B
- Allowance for credit losses
- $27.1M
- Net charge-offs (YTD)
- $991K
- Average total assets
- $2.68B
- Average total loans
- $2.17B
- Average interest-bearing deposits
- $2.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 2005
- FDIC Cert
- 58057
- Fed RSSD
- 3344321
- Website
- WWW.TRADITION.BANK →
- Parent Holding Company
- TRADITION BANCSHARES, INC. (RSSD 3344312)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Tradition Capital Bank's total assets ran between $2.33B (Q3 2023) and $2.72B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.72B total assets against $2.60B; $2.49B total liabilities against $2.39B.
$2.22B net loans and leases against $2.10B; $2.10B total deposits against $1.91B.
$338.7M securities against $316.8M; $87.8M cash and balances due against $117.7M.
$35.3M total interest income against $35.1M; $15.7M total interest expense against $18.4M.
$19.5M net interest income against $16.7M.
$933K total noninterest income against $1.1M; $10.6M total noninterest expense against $10.5M.
$158K provision for credit losses against $1.3M.
$6.8M net income against $4.2M.
1.02% return on assets against 0.64%; 2.96% net interest margin against 2.59%.
10.32% CET1 capital ratio against 9.94%; 8.87% tier 1 leverage ratio against 8.24%.
Inside the full Tradition Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Tradition Capital Bank rankings
Its closest position to the top of a national ranking is 465 of 4,196, for total assets; its furthest is 2,063 of 2,134, for CET1 ratio.
Metric pages for Tradition Capital Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q3 2024) to 1.02% (Q2 2026) and its net interest margin ran from 2.09% (Q3 2024) to 2.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.02% | 0.01% | 1.57% | 2.96% |
| Q1 2026 | 10.46% | 0.81% | 0.16% | 2.93% | 2.85% |
| Q4 2025 | 10.03% | 0.81% | 0.17% | 2.42% | 2.93% |
| Q3 2025 | 9.80% | 0.75% | 0.25% | 3.23% | 2.65% |
| Q2 2025 | 9.94% | 0.64% | 0.22% | 2.00% | 2.59% |
| Q1 2025 | 10.09% | 0.56% | 0.17% | 1.60% | 2.38% |
| Q4 2024 | 9.92% | 0.53% | 0.14% | 1.33% | 2.33% |
| Q3 2024 | 10.10% | 0.46% | 0.00% | 0.00% | 2.09% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Edina Branch | Edina , MN | 55435 | $1.21B |
| Tradition Capital Bank (main office) | Wayzata , MN | 55391 | $369.4M |
| North Oaks Branch | North Oaks , MN | 55127 | $331.2M |
| Scottsdale, Az Branch | Scottsdale , AZ | 85254 | $182.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MN, rank 17 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 98 applications, 34 loans originated, $56.3M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $9.0M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Tradition Capital Bank
What are Tradition Capital Bank's total assets?
As of the Q2 2026 filing, Tradition Capital Bank reported total assets of $2.72 billion in its FFIEC call report.
Where is Tradition Capital Bank headquartered?
It is headquartered in Wayzata, MN, United States.
When was Tradition Capital Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Tradition Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tradition Capital Bank?
Tradition Capital Bank's primary federal regulator is the FDIC.
What is Tradition Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.32% in its Q2 2026 call report, above regulatory requirements.
How many branches does Tradition Capital Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tradition Capital Bank's Texas Ratio?
Its Texas Ratio is 1.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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