# TRADITION CAPITAL BANK
WAYZATA, MN · FDIC certificate 58057 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.72B | |
| Deposits | $2.10B | |
| Loans and leases | $2.25B | |
| Total equity | $228.7M | |
| Loans / deposits | 106.03% (p93 of band) | 87.10% |
| Liquid assets / assets | 15.70% (p26 of band) | |
| Uninsured deposits / deposits | 45.41% (p84 of band) | 30.76% |
| Brokered deposits | 3.62% | |
| Wholesale funding | 17.37% (p85 of band) | |
| FHLB advances / assets | 13.69% | |
| Tier 1 leverage | 8.87% (p10 of band) | 10.50% |
| Unrealized securities loss / equity | -6.52% (p55 of band) | -7.75% |
| AOCI / equity | 0.04% (p81 of band) | |
| ROA (annualized) | 0.91% (p25 of band) | 1.26% |
| Net interest margin | 2.94% (p13 of band) | 3.70% |
| Efficiency ratio | 53.77% (p35 of band) | |
| Noncurrent loans | 0.01% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p70 of band) | |
| Reserve coverage of noncurrent | 8029.38% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 129.29% (p95 of band) | |
| Auto loans | $64,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $32.3M (14% of equity) (p89 of band) | |
| Deposits YoY | 10.1% | |
| Employees | 167 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 5 | brokered >10%, liquid assets <10%, construction >100% equity |  |
| 2011-09 | 4 |  | liquid assets <10% |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 1 |  | loans exceed deposits, wholesale funding >15%, brokered >10%, capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 3 | capital falling, loans-to-lenders >50% equity | loans exceed deposits |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 | loans exceed deposits | capital falling |
| 2013-09 | 3 | charge-offs p90 | loans exceed deposits |
| 2013-12 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2014-03 | 2 | capital falling | loans-to-lenders >50% equity, charge-offs p90, loans exceed deposits, wholesale funding >15% |
| 2014-06 | 4 | brokered >10%, wholesale funding >15%, loans-to-lenders >50% equity | capital falling |
| 2014-09 | 2 |  | brokered >10%, wholesale funding >15% |
| 2014-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 4 | liquid assets <10% | wholesale funding >15% |
| 2015-06 | 4 | wholesale funding >15% | liquid assets <10% |
| 2015-09 | 4 | brokered >10% | loans exceed deposits |
| 2015-12 | 4 | capital falling | brokered >10% |
| 2016-03 | 4 | uninsured deposits >50% | wholesale funding >15% |
| 2016-06 | 7 | loans exceed deposits, wholesale funding >15%, run vulnerability |  |
| 2016-09 | 7 |  |  |
| 2016-12 | 5 |  | capital falling, loans exceed deposits |
| 2017-03 | 3 |  | loans-to-lenders >50% equity, run vulnerability |
| 2017-06 | 4 | brokered >10% |  |
| 2017-09 | 3 |  | uninsured deposits >50% |
| 2017-12 | 4 | uninsured deposits >50% |  |
| 2018-03 | 4 | capital falling | uninsured deposits >50% |
| 2018-06 | 5 | loans exceed deposits |  |
| 2018-09 | 4 |  | loans exceed deposits |
| 2018-12 | 4 | loans exceed deposits | brokered >10% |
| 2019-03 | 5 | brokered >10% |  |
| 2019-06 | 4 | loans-to-lenders >50% equity | capital falling, loans exceed deposits |
| 2019-09 | 3 |  | brokered >10% |
| 2019-12 | 5 | uninsured deposits >50%, run vulnerability |  |
| 2020-03 | 5 | loans exceed deposits, capital falling | uninsured deposits >50%, run vulnerability |
| 2020-06 | 5 |  |  |
| 2020-09 | 6 | uninsured deposits >50%, run vulnerability | capital falling |
| 2020-12 | 3 |  | wholesale funding >15%, loans exceed deposits, run vulnerability |
| 2021-03 | 5 | capital falling, run vulnerability |  |
| 2021-06 | 3 |  | capital falling, run vulnerability |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | loans-to-lenders >50% equity |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2022-09 | 7 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 7 | run vulnerability, deposits shrinking, uninsured deposits leaving | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 7 | brokered >10%, NIM <2.5%, loans-to-lenders >50% equity | uninsured deposits >50%, run vulnerability, deposits shrinking |
| 2023-06 | 8 | capital falling |  |
| 2023-09 | 8 |  |  |
| 2023-12 | 6 |  | loans-to-lenders >50% equity, capital falling |
| 2024-03 | 5 | loans-to-lenders >50% equity | uninsured deposits leaving, brokered >10% |
| 2024-06 | 6 | capital falling |  |
| 2024-09 | 5 |  | loans-to-lenders >50% equity |
| 2024-12 | 4 |  | capital falling |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | NIM <2.5% |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-15 [Celebrating 20 years of growing Tradition Capital Bank! - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQm1jcldPalA2YUJkR2dzdVRlSFVwWWVsaDdSdmt0QTBZMjVaMnFqWktiNl9aelBoWFl3TmdmcUNva0ZzNXptZklDWmtVb25lR3VSanlYdU1WbTJ6QzlZMG1XUl9oZ2RCTGpYdXBMb0hNcGVxSnhZQ3RnNU9HenYxLVNkeGlteGlCbEVaZzc2QjRqQU1vZG1PZTB0WEVhcGstZXRVR2hlUmRkTW40?oc=5) · The Business Journals
- 2025-03-26 [Tradition Capital Bank launches credit cards in collaboration with Corserv - fintechfutures.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbkNhaWo0OXR4dnJJRXp5eDVxU3Bkcng2c3Nkdk1sWGlmNnNtNkFrMzVoLVJ1WndhSm1MMWFoNlRfNldnQUVQY2Y2OTk3NnlndDl3d0pXTC03OTdjMGVLeDZLN1NnM0dYYTkyeDFtTGxjTW1pdlpBZ3NjeENHazZHQWl3TGs0NDNOVkswT1Z4aFRVZTZFTEtGLWdVTFdRYTBlb1dRNTZIenBtNzBXelFTeEViMjVqWWgzazktTndfODlPSUZ6MkttSFN1eDg?oc=5) · fintechfutures.com
- 2021-12-16 [Spotlight On: Dan Fagan, President & CEO, Tradition Capital Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOTRFeEZyLU9DWk1LMmlYQXhUWUVEMDVRMXpwMnBHTUhvYlVXOU9pbnA5WWZiX1MyQWp2X0lYTDdKanZnUW5ib04tWnlIdEcwYlFKRGxYS0RELXZoWnAtVW14NVRIcTNnaVMyVnVzRnpqT1MtSkRJaEhSeDFzM2RmcE8tbk1NRThJV1RyTU9yNU9mWG9xWUVtQ3ozbHBLcWdp?oc=5) · Capital Analytics Associates
- 2020-08-25 [What works in community investment: The power of connection - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYjNTSHRITFdab1pDWEE0U1VmWkVud0xnaDZjbU5RakJtT19CT3dMYktwVEtjWFpNaWN5UFAwTHpwOE9aN0pxOFljNEVUVGNQUnhWa29JWFlCTGpKdUIxYkxxQUNqOU1VOVd6UXAzakRyb1ZKdkpoMnRKbmtXRFVraDN4VHVUZ1R3WkZsX0pGYm9JR3d5RU4yQ1NoT01jcGlIckZGZQ?oc=5) · Federal Reserve Bank of Minneapolis
- 2024-10-07 [Minneapolis-based bank builds on its tradition with key hires and expanded offerings - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOUUNtaGVuQnNxcDdDUG5KRnpwUlg4bHlhRjJJZ05FNTkySE1CdGwxM3liN1oyd2JKck4zbGxmSzdkYXZFQnpmazNxbWhEWkZ0ZkhidGsyNC1WSEQwdTNIUDE4UGZDRFlma0RDel9nVWNxMzZUUm1PQWswTllOY3N3N1NlSjBCbWtnUW1EMjJBU2p5SHpJY0RGZDBmZ21BSjRFbzNXeW9Kd0luZw?oc=5) · The Business Journals
- 2018-11-11 [Crown Bank sues ex-CEO, 2 other bankers who left for rival Tradition - Star Tribune](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNUpweWlYdHZrSVpCM0Zhd3Z5aE41Z0JZWW1MUVJQdVk2OHZVWmdiRzlrTlJkRE9ZbjR0bEhMOEFWdHd1WkJqWlprTVpjQ3U4a2RpS2tDT2hpZzhmd19rd0Q0YnZMOXlCbENYRlh1UHhKUkhIby04aXFhMi13Q2w4anJtMTJ5Ry1ybDM5ckV6XzVEZjFoeEhfV1p0eWxMSFVqcDNhZFVGY2o?oc=5) · Star Tribune
- 2025-08-28 [Heise Scores Four In Da Beauty League Final - The Hockey News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWkM0UVZtNU1TZWd4V0dmNXcyd0o3c1g4Mk5FT2Q1Zm5HZUJfS0ExTDNpaDBNekE5U1NCcmpOOE02MmRmWXhBdDUtVWlELXFoVWdNTFdobHFkYzJtUFNSWXZxQk16NFBDdzhqNWdjM0FQVXlDNEIyRVdFbFhJU3pBMWhpSUZ4dzdkcVc4SHQzU0g?oc=5) · The Hockey News
- 2024-05-20 [Joe Bauer named president of Edina's Tradition Capital Bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcExkSXdxT3RBV2tCa3VRTm5zb2JxdFFTTmUwbjhhU2U5cWhHTE1IekFuNWVzQVNoNXZJbHZxZVVQOU9LZzBpNUljNlNzSW5aOW53c3VybENPRU04Z3puRDc1aUdkZ3BRWnpoT09GNHRlQm53b0FieDBIM3R1YnhvTkxlOVNYRTJPTVQ1bDVkZDN6U3E1WHF5WG5weE5PRkd3eUgxZmVyNjYtSUpo?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58057 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "58057", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide