Tradition Capital Bank
Tradition Capital Bank reported total assets of $2.7 bn at Q2 2026, up 4.7% on a year earlier, the 467th largest of 497 banks in our US coverage. The CET1 capital ratio at Tradition Capital Bank was 10.32%, and the uninsured share of Tradition Capital Bank was 45.41%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Tradition Capital Bank climbed from 336th to 204th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Tradition Capital Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.32% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- The noncurrent loans to total loans of Tradition Capital Bank, 0.01% at , places Tradition Capital Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 0.58%; FDIC Call Reports).
What sets Tradition Capital Bank apart
- Few banks of $1 bn to $10 bn report a higher loan-to-deposit ratio than Tradition Capital Bank, at 106.03% in against a group median of 88.61%.
- Tradition Capital Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.87% at , where the median of the 339 banks is 10.45%.
How large is Tradition Capital Bank?
The balance sheet of Tradition Capital Bank at : assets $2.7 bn, deposits $2.1 bn, net loans $2.2 bn (loans equal to 106.03% of deposits). Securities make up 12.5% of total assets at Tradition Capital Bank. Since , when Tradition Capital Bank held $470.4 mn, its assets grew 477.6%. In the year to , deposits at Tradition Capital Bank rose 10.1% while its total assets rose 4.7%. At , Tradition Capital Bank employed 167 full-time equivalent staff across 4 offices, about $16.3 mn of assets per employee and $524.5 mn of deposits per office.
How much funding at Tradition Capital Bank is uninsured?
At Tradition Capital Bank, uninsured deposits (above the FDIC limit) made up 45.41% of domestic deposits at (+5.59 pp on a year earlier); Tradition Capital Bank ranks 131st of 500 on this measure. In dollars, Tradition Capital Bank estimated $952.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +10.1% | 488th of 499 |
| Net loans and leases | $2.2 bn | +6.2% | 406th of 500 |
| Loan-to-deposit ratio | 106.03% | -3.93 pp | 32nd of 500 |
| Tier 1 leverage ratio | 8.87% | +0.63 pp | 443rd of 500 |
| Total risk-based capital ratio | 11.49% | +0.32 pp | 436th of 448 |
| Net interest margin | 2.94% | +0.36 pp | 415th of 500 |
| Return on assets (ROA) | 0.91% | +0.30 pp | 415th of 500 |
| Efficiency ratio | 53.77% | -8.77 pp | 204th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $14.9 mn | Narrowed by $2.4 mn | |
| Noncurrent loans to total loans | 0.01% | -0.20 pp | 14th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | +0.09 pp | 256th of 500 (1 = lowest) |
US rank of Tradition Capital Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Tradition Capital Bank: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.1bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Tradition Capital Bank stood at 10.32% in , +0.38 pp year on year. Low and high at Tradition Capital Bank since : 9.14% () to 11.84% (). Equity capital of Tradition Capital Bank at : $228.7 mn, or 8.4% of total assets. Tradition Capital Bank also reported a total capital ratio of 11.49% for , and a tier 1 leverage ratio of 8.87%.
The available-for-sale portfolio of Tradition Capital Bank showed an unrealized loss of $14.9 mn at ; the loss narrowed by $2.4 mn over the year.
Tradition Capital Bank: capital ratios
- Total capital 11%
- CET1 10%
- Tier 1 leverage 8.9%
Tradition Capital Bank: unrealized securities gains and losses
- Available for sale -$15mn
- Held to maturity $0
Profitability and loan quality
For the year to , Tradition Capital Bank earned a return on equity of 10.98%; return on assets: 0.91%. Net interest margin at Tradition Capital Bank: 2.94%, +0.36 pp in a year. Tradition Capital Bank net income: $12.2 mn, up 56.2% year on year. The efficiency ratio of Tradition Capital Bank was 53.77%: about 54 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.01% of total loans at Tradition Capital Bank; net charge-offs: 0.09% of average loans. Gross loans and leases at Tradition Capital Bank: $2.3 bn, up 6.1% in a year.
Tradition Capital Bank: profitability
- Return on equity 11%
- Net interest margin 2.9%
- Return on assets 0.9%
Peer group of Tradition Capital Bank
The peer group of Tradition Capital Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Tradition Capital Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Minnesota. Against them, Tradition Capital Bank shows CET1 ratio 10.32% against a peer median of 13.61%, return on equity 10.98% against a peer median of 11.22% and uninsured deposit share 45.41% against a peer median of 29.84%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Westfield Bank | Federal savings bank | MA | $2.7 bn | 12.47% | 7.94% | 30.10% | |
| Home Federal Bank of Tennessee | Federal savings bank | TN | $2.7 bn | not reported | 1.87% | 21.23% | |
| Pinnacle Bank | State nonmember bank | TX | $2.7 bn | 14.07% | 10.81% | 29.57% | |
| Tradition Capital Bank | State nonmember bank | MN | $2.7 bn | 10.32% | 10.98% | 45.41% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.7 bn | 15.29% | 11.63% | 38.75% | |
| CalPrivate Bank | State nonmember bank | CA | $2.7 bn | 13.61% | 18.54% | 56.48% | |
| Beverly Bank & Trust Company | National bank | IL | $2.7 bn | 11.43% | 15.97% | 27.51% | |
. FDIC Call Reports.
Last eight quarters
Two years at Tradition Capital Bank, to : assets +2.3%, deposits +16.0%, equity +20.5%. Staff 146 to 167.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.7 bn | $2.7 bn |
| Total deposits | $1.8 bn | $1.8 bn | $1.9 bn | $1.9 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.1 bn |
| Bank equity capital | $189.8 mn | $192.3 mn | $197.4 mn | $202.4 mn | $209.5 mn | $216.4 mn | $221.3 mn | $228.7 mn |
| CET1 ratio | 10.10% | 9.92% | 10.09% | 9.94% | 9.80% | 10.03% | 10.46% | 10.32% |
| Return on equity (ROE) | 5.20% | 5.72% | 7.43% | 7.92% | 8.60% | 9.05% | 9.81% | 10.98% |
| Uninsured share of domestic deposits | 29.09% | 31.13% | 36.58% | 39.82% | 41.62% | 39.20% | 43.69% | 45.41% |
| Full-time equivalent employees | 146 | 147 | 147 | 154 | 154 | 152 | 153 | 167 |
| Number of offices | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Tradition Capital Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Tradition Capital Bank?
Tradition Capital Bank reported $2.7 bn at in its Call Report. That makes Tradition Capital Bank the 467th largest of 497 banks in our US coverage.
Is Tradition Capital Bank the same as its holding company?
No. This page covers Tradition Capital Bank, FDIC certificate 58057; TRADITION BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Tradition Capital Bank profitable?
Tradition Capital Bank reported net income of $12.2 mn for the year to ; annualized return on equity: 10.98%. So yes: Tradition Capital Bank made a profit over these months.
When is data for Tradition Capital Bank next updated?
Figures from Tradition Capital Bank for are due after .
Where can I check the figures for Tradition Capital Bank?
In the FDIC BankFind Suite record for certificate 58057, and in the Call Reports of Tradition Capital Bank (RSSD ID 3344321) at the FFIEC Central Data Repository.