TellerScore

Tradition Capital Bank (FDIC certificate #58057) is based in Wayzata, Minnesota. Its Q2 2026 call report shows $2.7B in total assets and $2.1B in deposits and 4 offices across 2 states.

Tradition Capital Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 170th. Loan quality contributes the most (100/100, 0.01%); funding & liquidity contributes the least (20/100, 106% loans-to-deposits, 45% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.87%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity20/100
Loans ÷ deposits and uninsured-deposit share: 106.0% · 45.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (55 → 61), mostly because the earnings component improved by 12 points.

TellerScore
545861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202454
Q3 202455
Q4 202455
Q1 202556
Q2 202555
Q3 202554
Q4 202557
Q1 202659
Q2 202661
Tier 1 leverage ratio
5.00%6.94%8.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20247.71%
Q3 20247.56%
Q4 20247.99%
Q1 20258.17%
Q2 20258.24%
Q3 20258.12%
Q4 20258.30%
Q1 20268.73%
Q2 20268.87%
Noncurrent loans
0.00%0.13%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.00%
Q4 20240.14%
Q1 20250.17%
Q2 20250.22%
Q3 20250.25%
Q4 20250.17%
Q1 20260.16%
Q2 20260.01%
Return on assets
0.32%0.62%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.32%
Q3 20240.37%
Q4 20240.42%
Q1 20250.57%
Q2 20250.61%
Q3 20250.66%
Q4 20250.71%
Q1 20260.81%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$2.7B8.87%0.01%0.91%106.0%
Q1 202659$2.7B8.73%0.16%0.81%102.6%
Q4 202557$2.6B8.30%0.17%0.71%106.5%
Q3 202554$2.7B8.12%0.25%0.66%107.4%
Q2 202555$2.6B8.24%0.22%0.61%110.0%
Q1 202556$2.6B8.17%0.17%0.57%107.3%
Q4 202455$2.5B7.99%0.14%0.42%113.5%
Q3 202455$2.7B7.56%0.00%0.37%109.9%
Q2 202454$2.6B7.71%0.09%0.32%120.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.87%
10th
Total risk-based capital11.49%
28th
Problem loans0.01%
94th
Net charge-offs0.09%
33rd
Return on assets0.91%
25th
Net interest margin2.94%
13th
Efficiency ratio53.8%
65th
Loans to deposits106.0%
7th
Uninsured deposits45.4%
16th
Loan-loss reserves1.20%
59th
Texas ratio1.6%
75th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Merchants Bank, National AssociationBank Winona, MN73 out of 100, Strong$2.9B11.5%0.53%vs
Minnwest BankBank Redwood Falls, MN68 out of 100, Moderate$2.9B10.8%0.56%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Stearns Bank National AssociationBank Saint Cloud, MN67 out of 100, Moderate$3.3B15.4%2.65%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs

Deposit insurance

Is my money safe at Tradition Capital Bank?

Yes. Tradition Capital Bank is an FDIC-insured institution (FDIC certificate #58057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.4% of deposits ($952.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.87%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.49% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Tradition Capital Bank lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tradition Capital Bank reported 36 home-loan applications under HMDA (LEI 254900J67JRUY8SSE075): 34 originated ($56,270,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Tradition Capital Bank
Type
State-chartered bank
FDIC certificate #
58057
RSSD ID
3344321
Primary regulator
FDIC
Holding company
Tradition Bancshares Inc
Established
July 1, 2005
Headquarters
100 Lake St W, Wayzata, MN 55391
Employees
167

Quick answers

Tradition Capital Bank: common questions

Is Tradition Capital Bank FDIC insured?

Yes. Tradition Capital Bank is an FDIC-insured institution (FDIC certificate #58057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Tradition Capital Bank's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Tradition Capital Bank ever failed?

There is no failure record for FDIC certificate #58057 in the FDIC failed bank list.

How many branches does Tradition Capital Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Wayzata

InstitutionScoreAssetsCapitalProblem loansCompare
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs
Scale BankBank Edina, MN83 out of 100, Strong$626.7M14.0%0.06%vs