BlastPoint's Banking Scorecard
Tradition Capital Bank
Community
Specialty: Commercial
MN
FDIC cert 58057
Wayzata, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Tradition Capital Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.39% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11% in Community
- - Credit Risk Growth: Bottom 28% in Community
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+5.2% YoY
-2.5% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.2B
+7.4% YoY
+1.6% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.1B
+14.6% YoY
+2.6% QoQ
|
+$899.0M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.71%
+69.8% YoY
+6.7% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.74%
+26.6% YoY
+4.4% QoQ
|
-0.92% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
59.49%
-17.0% YoY
-1.1% QoQ
|
-3.14% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.17%
+20.1% YoY
-33.6% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
106.45%
-6.2% YoY
-0.9% QoQ
|
+23.39% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.68%
-1.4% YoY
+5.9% QoQ
|
-4.36% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.22%
+92.6% YoY
-21.3% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
10.03%
+1.1% YoY
+2.4% QoQ
|
-0.22% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.16%
+41.9% YoY
+45.2% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
106.45%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Credit Quality Pressure
risk
#90 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#182 of 642 · Bottom 28% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 106.45% · Tier avg: 83.06%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
59
59th pctile
Efficiency Ratio
Current: 59.49% · Tier avg: 62.63%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.68% · Tier avg: 21.05%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.03% · Tier avg: 10.24%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.66%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
10
10th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.66%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.03% · Tier avg: 10.24%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.68% · Tier avg: 21.05%
59
59th pctile
Efficiency Ratio
Current: 59.49% · Tier avg: 62.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
95
95th pctile
Loan-to-Deposit Ratio
Current: 106.45% · Tier avg: 83.06%