Wayzata, MN · Cert 58057 · Tradition Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.8% share · #13 of 125 inst. · $1.9B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.42% | 0.57% | 0.61% | 0.66% | 0.71% | 0.81% | 0.91% | +30 bps | |
| Return on Equity | 5.20% | 5.72% | 7.43% | 7.92% | 8.60% | 9.05% | 9.81% | 10.98% | +307 bps | |
| Net Interest Margin | 1.90% | 2.06% | 2.35% | 2.44% | 2.43% | 2.54% | 2.80% | 2.84% | +40 bps | |
| Efficiency Ratio | 72.86% | 71.71% | 66.11% | 62.54% | 60.16% | 59.49% | 55.70% | 53.77% | -877 bps | |
| Non-Interest Burden | 1.36% | 1.45% | 1.51% | 1.47% | 1.41% | 1.45% | 1.48% | 1.45% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.03% | 2.95% | 2.36% | -0.92% | 2.17% | 5.22% | 3.61% | 4.68% | +560 bps | |
| Loan Growth (YoY) | 4.33% | 2.68% | -0.81% | -0.02% | 8.77% | 7.39% | 5.32% | 6.11% | +613 bps | |
| Deposit Growth (YoY) | 15.98% | 9.32% | 15.19% | 9.46% | 11.26% | 14.56% | 10.12% | 10.08% | +63 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.17% | 0.22% | 0.25% | 0.17% | 0.16% | 0.01% | -20 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.08% | 0.20% | 0.09% | +9 bps | |
| Allowance / Loans | 1.25% | 1.21% | 1.22% | 1.24% | 1.25% | 1.19% | 1.23% | 1.20% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 8.6x | 7.1x | 5.7x | 4.9x | 7.1x | 7.8x | 80.3x | +74.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.56% | 7.99% | 8.17% | 8.24% | 8.12% | 8.30% | 8.73% | 8.87% | +63 bps | |
| Total Risk-Based Capital | 11.34% | 11.12% | 11.30% | 11.17% | 11.03% | 11.22% | 11.67% | 11.49% | +32 bps | |
| Equity / Assets | 7.15% | 7.65% | 7.65% | 7.80% | 7.72% | 8.18% | 8.27% | 8.42% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.30% | 114.93% | 108.58% | 111.34% | 108.81% | 107.74% | 103.85% | 107.32% | -402 bps | |
| Liquid Assets / Assets | 11.14% | 3.17% | 5.86% | 3.56% | 4.80% | 1.18% | 3.97% | 2.53% | -103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 476% | 471% | 456% | n/a | n/a | |