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Tradition Capital Bank
Wayzata, MN·FDIC Cert #58057·Charter: STATE·Est. 20050701.0·HC: TRADITION BANCSHARES INC
Total Assets
$2.6B
Q4 2025
Return on Assets
0.71%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.49%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.71%+0.04
ROE
9.05%+0.45
Efficiency
59.49%-0.67
Equity/Assets
0.00%+0.00
NPL Ratio
0.17%-0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
106.45%-0.99
Charge-offs
0.08%+0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.3 | 0.4 | 0.4 | 0.6 | 0.6 | 0.7 | 0.7 |
| ROE | 4.2 | 4.5 | 5.2 | 5.7 | 7.4 | 7.9 | 8.6 | 9.1 |
| Efficiency | 76.8 | 74.8 | 72.9 | 71.7 | 66.1 | 62.5 | 60.2 | 59.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | — | 0.1 | 0.2 | 0.2 | 0.3 | 0.2 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 124.6 | 120.4 | 109.9 | 113.5 | 107.3 | 110.0 | 107.4 | 106.5 |
Balance Sheet
Total Assets$2.6B
Total Deposits$2.1B
Total Loans$2.2B
Total Equity$216.4M
Profitability
ROA0.71%
ROE9.05%
Efficiency Ratio59.49%
Net Income$18.4M
Risk & Asset Quality
NPL Ratio0.17%
Charge-off Rate0.08%
Loan/Deposit106.45%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans