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Tradition Capital Bank
Wayzata, MN · FDIC Certificate #58057 · Chartered 07/0
Total assets
$2.72B
Total deposits
$2.10B
Total equity
$228.67M
Net loans
$2.22B
Branches (offices)
4
Net income (YTD)
$12.20M
Rank: #473 of 4,213 U.S. banks by assets · #7 of 221 in Minnesota. Assets changed 4.7% and deposits 10.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 10.98% |
| Net interest margin (YTD) | 2.94% |
| Equity to assets | 8.42% |
| Tier 1 leverage ratio | 8.87% |
| Uninsured deposits (share of deposits) | 45.4% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 106.0% |
| Real estate loans (share of loans) | 76.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.71B | 76.7% | |
| Commercial & industrial | $425.30M | 19.1% | |
| Consumer / individual | $22.77M | 1.0% | |
| Construction & development | $295.65M | 13.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.89B | $1.37B | $7.04M | $133.53M |
| Jun 2023 | $2.36B | $1.56B | $2.85M | $172.88M |
| Jun 2024 | $2.62B | $1.74B | $4.04M | $184.88M |
| Jun 2025 | $2.60B | $1.91B | $7.81M | $202.44M |
| Jun 2026 | $2.72B | $2.10B | $12.20M | $228.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $1.92B | 3 |
| Arizona | $182.91M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.10B.
Similar-sized banks
Pinnacle Bank ($2.72B) · Planters Bank & Trust Company ($2.71B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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