Tradition Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tradition Capital Bank of Wayzata, MN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.44% | -0.42% | 30th below |
| ROAE | 12.15% | 12.50% | -0.35% | 49th below |
| Net Interest Margin | 2.96% | 3.84% | -0.88% | 13th bottom |
| Efficiency Ratio | 51.77% | 58.88% | -7.11% | 70th above |
| PPNR / Avg Assets | 1.47% | 1.78% | -0.31% | 35th below |
| Yield on Earning Assets | 5.33% | 5.71% | -0.38% | 37th below |
| Cost of Funds | 2.28% | 2.03% | +0.25% | 32nd below |
| Net Interest Spread | 2.27% | 3.18% | -0.91% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.58% | 0.96% | +0.62% | 16th bottom |
| NPA / Total Assets | 1.45% | 0.75% | +0.70% | 13th bottom |
| NCO / Avg Loans | -0.02% | 0.31% | -0.33% | 94th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.25% | -0.05% | 59th above |
| ACL / NPLs (Coverage) | 75.82% | 699.53% | -623.71% | 18th bottom |
| Texas Ratio | 15.40% | 7.15% | +8.25% | 11th bottom |
| Provision / NCO | 151.87% | 815.41% | -663.54% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.32% | 17.42% | -7.10% | 3rd bottom |
| Tier 1 Ratio | 10.32% | 17.45% | -7.13% | 3rd bottom |
| Total Capital Ratio | 11.49% | 18.51% | -7.02% | 4th bottom |
| Leverage Ratio | 8.87% | 11.60% | -2.73% | 9th bottom |
| Equity / Assets | 8.42% | 11.33% | -2.91% | 11th bottom |
| TCE / Tangible Assets | 8.42% | 10.65% | -2.23% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.32% | 86.33% | +20.99% | 7th bottom |
| Core Deposit Ratio | 91.89% | 85.55% | +6.34% | 68th above |
| Uninsured Deposit Ratio | 45.41% | 32.69% | +12.72% | 16th bottom |
| Wholesale Funding Ratio | 13.75% | 5.44% | +8.31% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.68% | 10.46% | -5.78% | 47th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.11% | 7.99% | -1.88% | 52nd above |
| Deposit Growth (Y/Y) | 10.08% | 7.98% | +2.10% | 75th top |
See Tradition Capital Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tradition Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tradition Capital Bank profile, how to read a UBPR, or how this data updates.