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Tradition Capital Bank

Wayzata, MN · Cert 58057 · Tradition Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tradition Capital Bank

Wayzata, MN · Cert 58057 · Tradition Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$2.7BAssets
$2.3BLoans
$2.1BDeposits
$228.7MEquity
Loan mix
79%RE $1.7B20%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.7B19%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.07%Q2 ’245.22%Q2 ’255.17%Q2 ’26+29%+16%

Non-interest income vs. expense

1.50%Q2 ’241.62%Q2 ’251.62%Q2 ’26+6%-1%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.8% share · #13 of 125 inst. · $1.9B of $253.2B

1.1% Hennepin
0.5% Ramsey
0.1% Maricopa

Executive Summary

  • Earnings: ROA of 0.91%, up 30 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.01% of loans (-20 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 8.87%, up 63 bps from a year ago.
  • Funding: loans stand at 107.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+40 bps YoY

Efficiency Ratio (YTD, annualized)

53.77%-877 bps YoY

Tier 1 Leverage Ratio

8.87%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.66%0.71%0.81%0.91%+30 bps
Return on Equity7.92%8.60%9.05%9.81%10.98%+307 bps
Net Interest Margin2.44%2.43%2.54%2.80%2.84%+40 bps
Efficiency Ratio62.54%60.16%59.49%55.70%53.77%-877 bps
Non-Interest Burden1.47%1.41%1.45%1.48%1.45%-2 bps
Growth
Asset Growth (YoY)-0.92%2.17%5.22%3.61%4.68%+560 bps
Loan Growth (YoY)-0.02%8.77%7.39%5.32%6.11%+613 bps
Deposit Growth (YoY)9.46%11.26%14.56%10.12%10.08%+63 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.25%0.17%0.16%0.01%-20 bps
Net Charge-Offs / Loans0.00%0.00%0.08%0.20%0.09%+9 bps
Allowance / Loans1.24%1.25%1.19%1.23%1.20%-4 bps
Allowance Coverage of NPLs5.7x4.9x7.1x7.8x80.3x+74.6x
Capital
Tier 1 Leverage Ratio8.24%8.12%8.30%8.73%8.87%+63 bps
Total Risk-Based Capital11.17%11.03%11.22%11.67%11.49%+32 bps
Equity / Assets7.80%7.72%8.18%8.27%8.42%+62 bps
Liquidity & Funding
Loans / Deposits111.34%108.81%107.74%103.85%107.32%-402 bps
Liquid Assets / Assets3.56%4.80%1.18%3.97%2.53%-103 bps
CRE / Total Capitaln/a476%471%456%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tradition Capital Bank

Wayzata, MN · Cert 58057 · Peer group: banks $1B-$10B in assets (n=322-328) · Tradition Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$2.7BAssets
$2.3BLoans
$2.1BDeposits
$228.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets (rank 19 of 322).
  • Widest gap: tier 1 capital ratio trails 93% of banks $1B-$10B in assets (rank 305 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.90%

Rank 249 of 328

Net Interest Margin

2.84%

Rank 276 of 328

Efficiency Ratio

53.77%

Rank 109 of 328

Equity / Assets

8.42%

Rank 292 of 328

Non-interest income vs. expense

$4.5M$43.4MINCOMEEXPENSE
Unfavorable gap of $38.9M · efficiency ratio beats 67% of banks $1B-$10B in assets
Bank 53.77%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.91%1.22%1.52%Beats 24%249 / 328
Return on Equity10.67%8.43%11.45%14.43%Beats 43%186 / 328
Net Interest Margin2.84%3.03%3.45%3.83%Beats 16%276 / 328
Efficiency Ratio53.77%51.61%59.56%67.53%Beats 67%109 / 328
Asset Quality
Nonperforming Loans / Loans0.01%0.24%0.51%1.03%Beats 94%19 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 40%195 / 322
Capital
Tier 1 Capital Ratio10.32%11.75%13.15%15.47%Beats 7%305 / 328
Total Risk-Based Capital Ratio11.49%12.63%14.15%16.46%Beats 15%280 / 328
Equity / Assets8.42%9.15%10.33%12.01%Beats 11%292 / 328
Liquidity & Funding
Loans / Deposits107.32%76.63%87.92%95.36%94th pctl18 / 323
Loans / Assets82.87%65.18%74.15%79.98%84th pctl52 / 328
Brokered Deposits / Depositsn/aNot reported for this institution