Tradition Capital Bank
Wayzata, MN
IDRSSD: 3344321
Total Assets
$2.64B
Latest filing
Total Deposits
$2.06B
Latest filing
Net Interest Margin
3.03%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091017471WAYZATA, MN
Key People
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Locations
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Main Office
Tradition Capital Bank
100 Lake St W
Wayzata, MN 55391
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 01/30/2026 |
| CERT | 58057 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.64B |
| Total Deposits | $2.06B |
| Total Liabilities | $2.43B |
| Total Equity Capital | $216.38M |
| Net Income | $5.51M |
| Net Loans and Leases | $2.20B |
| Assets Per Employee ($Millions) | $17.4M |
| Bank Premises and Fixed Assets | $9.03M |
| Cash and Balances due from Depository Institutions | $46.83M |
| Deposits Held in Domestic Offices | $2.06B |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 10.36% |
| Net Interest Margin | 3.03% |
| Efficiency Ratio | 57.8% |
| Tier 1 Risk-Based Capital Ratio | 10.029% |
| 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 | 8.183% |
| Earning Assets to total Assets | 97.03% |
Income and Expense
| Total Interest Income | $37.26M |
| Total Noninterest Income | $1.22M |
| Total Interest Expense | $17.58M |
| Total Noninterest Expense | $12.08M |
| Net Interest Income | $19.67M |
| Pre-tax Net Operating Income | $7.82M |
| Provision for Credit Losses | $1.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.14M |
| Other borrowed funds | $345.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.26M |
| Total Liabilities and Capital | $2.64B |
Securities
| Securities | $337.62M |
| Available-for-sale debt securities | $337.62M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$2.64B as of the latest filing.
How much are Tradition Capital Bank's total deposits?
$2.06B in total deposits.
Where is Tradition Capital Bank located?
Wayzata, MN.
What is the Net Interest Margin?
3.03%.
How many domestic offices does it operate?
4.
When was it established?
07/01/2005.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$2.20B (latest filing).
What is the total interest income (latest filing)?
$37.26M.