Tradition Capital Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 41.0% in Q2 2026, from $16.4M to $23.1M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Tradition Capital Bank is 10th from the bottom among 161 Minnesota banks, 10.32% (Q2 2026). Tradition Capital Bank reported 10.32% on CET1 ratio for Q2 2026, 3.16 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.32% |
| Tier 1 risk-based capital ratio | 10.32% |
| Total risk-based capital ratio | 11.49% |
| Tier 1 leverage ratio | 8.87% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $238.2M |
| Tier 1 capital | $238.2M |
| Total risk-based capital | $265.4M |
| Total equity capital | $228.7M |
| Risk-weighted assets | $2.31B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 8.52% |
| Internal capital growth rate | 12.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $215.0M |
| Retained earnings | $23.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.82% | 9.82% | 10.99% | 8.29% | $1.99B |
| Q4 2023 | 9.74% | 9.74% | 10.95% | 8.29% | $2.02B |
| Q1 2024 | 9.63% | 9.63% | 10.83% | 7.82% | $2.07B |
| Q2 2024 | 9.44% | 9.44% | 10.63% | 7.71% | $2.13B |
| Q3 2024 | 10.10% | 10.10% | 11.34% | 7.56% | $2.02B |
| Q4 2024 | 9.92% | 9.92% | 11.12% | 7.99% | $2.09B |
| Q1 2025 | 10.09% | 10.09% | 11.30% | 8.17% | $2.09B |
| Q2 2025 | 9.94% | 9.94% | 11.17% | 8.24% | $2.17B |
| Q3 2025 | 9.80% | 9.80% | 11.03% | 8.12% | $2.25B |
| Q4 2025 | 10.03% | 10.03% | 11.22% | 8.30% | $2.25B |
| Q1 2026 | 10.46% | 10.46% | 11.67% | 8.73% | $2.21B |
| Q2 2026 | 10.32% | 10.32% | 11.49% | 8.87% | $2.31B |
Tradition Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tradition Capital Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Tradition Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58057) · FFIEC NIC profile (RSSD 3344321)