Tradition Capital Bank
Wayzata, Minnesota · FDIC Cert #58057
Tradition Capital Bank is an FDIC-insured bank (Certificate #58057) with $2.6B in total assets and $1.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Wayzata, Minnesota, the bank maintains a Tier 1 capital ratio of 9.44% (Well-Capitalized) and a nonperforming loan ratio of 0.09%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tradition Capital Bank (FDIC cert 58057) is a mid-sized bank with $2.6B in total assets and $1.7B in deposits, based in Wayzata, Minnesota. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 9.44% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.09% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 17.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.46% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Tradition Capital Bank carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Tradition Capital Bank
- Total Assets
- $2.6B
- Total Deposits
- $1.7B
- Tier 1 Capital Ratio
- 9.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.09%
- Liquidity Ratio
- 17.43%
- Return on Assets
- 0.46%
- Headquarters
- Wayzata, Minnesota
- FDIC Certificate
- #58057
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Tradition Capital Bank holds a Tier 1 capital ratio of 9.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tradition Capital Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tradition Capital Bank shows strong financial health indicators. With $2.6B in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Tradition Capital Bank Compares
Tradition Capital Bank’s Health Score of 66 is 7 points below the Minnesota state average of 73 across 225 FDIC-insured banks. Its 9.44% Tier 1 capital ratio is 4.6 points below the US banking industry average near 14%. The 0.09% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.46% is below the national ROA benchmark of ~1.1%. Among 500 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Tradition Capital Bank is 4 points below the portfolio average of 70.
Frequently Asked Questions
Tradition Capital Bank has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Tradition Capital Bank's Tier 1 capital ratio of 9.44% and nonperforming loan ratio of 0.09% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Tradition Capital Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58057). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Tradition Capital Bank holds $2.6B in total assets and $1.7B in total deposits. It is headquartered in Wayzata, Minnesota (FDIC Certificate #58057).
Tradition Capital Bank has a Tier 1 capital ratio of 9.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.09%, and the return on assets is 0.46%.
Yes. Tradition Capital Bank is FDIC-insured (Certificate #58057). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Tradition Capital Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.