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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

5.22%Q2 ’245.38%Q2 ’255.25%Q2 ’26+29%+14%

Non-interest income vs. expense

1.53%Q2 ’241.61%Q2 ’251.58%Q2 ’26+3%0%

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 1.01%, up 37 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.01% of loans (-20 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.01%+37 bps YoY

Net Interest Margin (quarter, annualized)

2.91%+36 bps YoY

Efficiency Ratio (quarter, annualized)

51.90%-741 bps YoY

Tier 1 Leverage Ratio

8.87%+63 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.77%0.82%0.81%1.01%+37 bps
Return on Equity8.39%9.92%10.36%9.81%12.15%+376 bps
Net Interest Margin2.55%2.60%2.89%2.80%2.91%+36 bps
Efficiency Ratio59.31%55.86%57.80%55.70%51.90%-741 bps
Non-Interest Burden1.45%1.39%1.59%1.48%1.44%0 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 / Loans0.01%0.00%0.32%0.20%-0.02%-2 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