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
Unfavorable gap of $38.9M · efficiency ratio beats 67% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.91% | 1.22% | 1.52% | Beats 24% | 249 / 328 | |
| Return on Equity | 10.67% | 8.43% | 11.45% | 14.43% | Beats 43% | 186 / 328 | |
| Net Interest Margin | 2.84% | 3.03% | 3.45% | 3.83% | Beats 16% | 276 / 328 | |
| Efficiency Ratio | 53.77% | 51.61% | 59.56% | 67.53% | Beats 67% | 109 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.03% | Beats 94% | 19 / 322 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 40% | 195 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.75% | 13.15% | 15.47% | Beats 7% | 305 / 328 | |
| Total Risk-Based Capital Ratio | 11.49% | 12.63% | 14.15% | 16.46% | Beats 15% | 280 / 328 | |
| Equity / Assets | 8.42% | 9.15% | 10.33% | 12.01% | Beats 11% | 292 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 107.32% | 76.63% | 87.92% | 95.36% | 94th pctl | 18 / 323 | |
| Loans / Assets | 82.87% | 65.18% | 74.15% | 79.98% | 84th pctl | 52 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |