Tradition Capital Bank
Wayzata, MN
IDRSSD: 3344321
Total Assets
$2.71B
Latest filing
Total Deposits
$2.01B
Latest filing
Net Interest Margin
2.76%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Tradition Capital Bank
100 Lake St W
Wayzata, MN 55391
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/2005FDIC Certificate 437897
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Tradition Capital Bank (Main) | 100 Lake St W | Wayzata, MN |
| NORTH OAKS BRANCH | 100 Village Center Dr | North Oaks, MN |
| EDINA BRANCH | 7601 France Ave S | Edina, MN |
| SCOTTSDALE, AZ BRANCH | 14850 N Scottsdale Rd, Ste 100 | Scottsdale, AZ |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/2005 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55391 |
| State and County Number | 27053 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 154 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/2005 |
| Primary Insurance Agency | DIF |
| Website | WWW.TRADITION.BANK |
| Data Updated | 11/14/2025 |
| CERT | 58057 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.71B |
| Total Deposits | $2.01B |
| Total Liabilities | $2.50B |
| Total Equity Capital | $209.53M |
| Net Income | $5.11M |
| Net Loans and Leases | $2.16B |
| Assets Per Employee ($Millions) | $17.62M |
| Bank Premises and Fixed Assets | $9.41M |
| Cash and Balances due from Depository Institutions | $153.34M |
| Deposits Held in Domestic Offices | $2.01B |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 9.92% |
| Net Interest Margin | 2.76% |
| Efficiency Ratio | 55.86% |
| Tier 1 Risk-Based Capital Ratio | 9.798% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.723% |
| Earning Assets to total Assets | 96.62% |
Income and Expense
| Total Interest Income | $36.79M |
| Total Noninterest Income | $990.00k |
| Total Interest Expense | $19.12M |
| Total Noninterest Expense | $10.42M |
| Net Interest Income | $17.67M |
| Pre-tax Net Operating Income | $7.24M |
| Provision for Credit Losses | $1.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $2.12M |
| Other borrowed funds | $470.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.13M |
| Total Liabilities and Capital | $2.71B |
Securities
| Securities | $329.76M |
| Available-for-sale debt securities | $329.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Tradition Capital Bank?
$2.71B as of the latest filing.
How much are Tradition Capital Bank's total deposits?
$2.01B in total deposits.
Where is Tradition Capital Bank located?
Wayzata, MN.
What is the Net Interest Margin?
2.76%.
How many domestic offices does it operate?
4.
When was it established?
07/01/2005.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$2.16B (latest filing).
What is the total interest income (latest filing)?
$36.79M.