Tradition Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 19.79 percentage points in Q2 2026, from 91.65% to 111.44%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Tradition Capital Bank sits 19th from the top on loan-to-deposit ratio, 107.32% as of Q2 2026. Tradition Capital Bank reported 107.32% on loan-to-deposit ratio for Q2 2026, 19.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.25B |
| Net loans and leases | $2.22B |
| Loans held for sale | $0 |
| Loans to total assets | 82.87% |
| Loan-to-deposit ratio | 107.32% |
| Net loans to equity capital | 9.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.65% |
| Multifamily (5+ residential) | 8.49% |
| Commercial and industrial | 18.89% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 2.34% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 313.21% |
| Construction concentration (Tier 1 capital + allowance) | 111.44% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.66% |
| Interest income on loans | $30.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.93B | $1.56B | 29.68% | 14.18% | 0.36% |
| Q4 2023 | $2.02B | $1.65B | 28.39% | 15.46% | 0.31% |
| Q1 2024 | $2.08B | $1.65B | 28.74% | 14.26% | 0.37% |
| Q2 2024 | $2.12B | $1.74B | 28.66% | 15.14% | 0.40% |
| Q3 2024 | $2.01B | $1.81B | 29.70% | 16.81% | 0.36% |
| Q4 2024 | $2.07B | $1.80B | 29.55% | 18.05% | 0.40% |
| Q1 2025 | $2.06B | $1.90B | 30.03% | 18.29% | 0.40% |
| Q2 2025 | $2.12B | $1.91B | 29.59% | 17.44% | 0.69% |
| Q3 2025 | $2.19B | $2.01B | 28.17% | 18.51% | 0.57% |
| Q4 2025 | $2.22B | $2.06B | 28.50% | 19.56% | 0.51% |
| Q1 2026 | $2.17B | $2.09B | 28.94% | 19.38% | 0.49% |
| Q2 2026 | $2.25B | $2.10B | 27.65% | 18.89% | 1.01% |
Tradition Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tradition Capital Bank, freeSource: Call Report Schedule RC-C, 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)