Tradition Capital Bank: how it compares with its peers
Against 10 MN banks with half to twice its assets, Tradition Capital Bank's strongest measure in Q2 2026 is assets per employee ($16.3M vs. a $7.9M peer median). Its weakest relative measure is net interest margin (2.94% vs. 3.65%).
| Measure | Tradition Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.30% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.94% | 3.65% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.77% | 55.45% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.3M | $7.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.03% | 80.52% | Context |
What it means for lending operations
Its efficiency ratio of 53.77% is better than the 55.45% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Merchants Bank, National Association Winona, MN · $2.88B
- Minnwest Bank Redwood Falls, MN · $2.94B
- Think Mutual Bank Rochester, MN · $2.23B
- Stearns Bank National Association Saint Cloud, MN · $3.27B
- Frandsen Bank & Trust Lonsdale, MN · $3.66B
- Deerwood Bank Waite Park, MN · $1.52B
Questions about Tradition Capital Bank
How big is Tradition Capital Bank?
Tradition Capital Bank, established in 2005, is headquartered in Wayzata, MN. It reported $2.72B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Tradition Capital Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.30% median for 10 MN banks with half to twice its assets, ahead of 20% of them.
What is Tradition Capital Bank's efficiency ratio?
53.77% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 55.45%, and lower is better.
Is Tradition Capital Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 10.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.