Tradition Capital Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.96%. On net interest margin, Tradition Capital Bank is 15th from the bottom among 221 Minnesota banks, 2.96% (Q2 2026). Tradition Capital Bank reported 2.96% on net interest margin for Q2 2026, 0.75 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 5.66% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 3.06% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.96% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.7M |
| Total interest expense | $15.7M |
| Interest expense on deposits | $12.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.79% | 2.99% | 1.77% | 5.36% | 1.63% |
| Q4 2023 | 4.97% | 3.16% | 1.79% | 5.52% | 1.73% |
| Q1 2024 | 5.10% | 3.21% | 1.88% | 5.60% | 1.80% |
| Q2 2024 | 5.28% | 3.25% | 2.00% | 5.74% | 1.86% |
| Q3 2024 | 5.38% | 3.26% | 2.09% | 5.83% | 1.94% |
| Q4 2024 | 5.37% | 2.99% | 2.33% | 5.83% | 2.35% |
| Q1 2025 | 5.17% | 2.73% | 2.38% | 5.58% | 2.68% |
| Q2 2025 | 5.44% | 2.81% | 2.59% | 5.83% | 2.98% |
| Q3 2025 | 5.50% | 2.80% | 2.65% | 5.91% | 3.24% |
| Q4 2025 | 5.55% | 2.56% | 2.93% | 5.95% | 3.45% |
| Q1 2026 | 5.24% | 2.30% | 2.85% | 5.54% | 3.54% |
| Q2 2026 | 5.33% | 2.28% | 2.96% | 5.66% | 3.66% |
Tradition Capital Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tradition Capital Bank, freeSource: Call Report Schedules RI and RC-K, 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)