Tradition Capital Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio climbed 3.47 percentage points in Q2 2026, from 103.85% to 107.32%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Tradition Capital Bank ranks 19th highest among the 221 banks headquartered in Minnesota, at 107.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Tradition Capital Bank sits 19.12 points higher, at 107.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.8M |
| Cash and noninterest-bearing balances to assets | 3.23% |
| Cash and securities | $426.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $373.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.32% |
| Net loans and leases to deposits | 106.03% |
| Loans and leases to core deposits | 111.12% |
| Core deposits to total deposits | 91.89% |
| Brokered deposits to total deposits | 4.69% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 123.73% | 75.13% | $53.3M | $531.1M |
| Q4 2023 | 122.36% | 75.21% | $28.4M | $571.9M |
| Q1 2024 | 126.09% | 80.62% | $0 | $677.0M |
| Q2 2024 | 121.89% | 80.81% | $0 | $677.0M |
| Q3 2024 | 111.30% | 83.05% | $0 | $637.5M |
| Q4 2024 | 114.93% | 85.45% | $0 | $503.4M |
| Q1 2025 | 108.58% | 85.98% | $0 | $470.0M |
| Q2 2025 | 111.34% | 87.93% | $0 | $470.0M |
| Q3 2025 | 108.81% | 87.99% | $0 | $470.0M |
| Q4 2025 | 107.74% | 88.22% | $0 | $345.0M |
| Q1 2026 | 103.85% | 90.64% | $0 | $345.0M |
| Q2 2026 | 107.32% | 91.89% | $0 | $373.5M |
Tradition Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tradition Capital Bank, freeSource: Call Report Schedules RC and RC-M, 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)