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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Minnesota, the state note

Tradition Capital Bank

Wayzata, Minnesota · $2.72B in assets · beside the 11 other Minnesota banks between $1B and $3B

The filing

107.3%
Loans / deposits
12th of 12
0.01%
NPA / loans
2nd of 12
80.3x
Coverage of noncurrent
2nd of 12

Tradition Capital Bank is the third largest of the 12 Minnesota banks nearest its size between $1B and $3B, with $2.72B in assets at 30 June 2026. Loans are 107.3% of deposits, the highest in the cohort against a median of 78.7%, and equity is 8.4% of assets, 10th of 12. Loans grew +6.1% in the year, 5th of 12, and deposits grew 10.1%; the cohort's median loan growth is +4.6%.

Noncurrent loans are 0.01% of the book, 2nd of 12 against a median of 0.43%; 0.04% is 30 to 89 days past due, and the allowance covers them 80.3 times. Commercial real estate is 34.3% of loans, 7th of 12 against a median of 34.2%, and 291% of capital, below the 300% screen, with construction at 111% against the 100% screen.

Return on assets is 0.91%, 9th of 12 against a median of 1.27%, on an efficiency ratio of 53.8%, 6th of 12. Five years ago it was 1.08%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsMN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 78.7% FN First National Bank of Bemidji 65.0% TM Think Mutual Bank 65.2% DB Deerwood Bank 69.3% SB Security Bank & Trust Co. 72.1% NA North American Banking Co. 72.1% PS Park State Bank 74.9% MB Merchants Bank National Association 82.5% CA Citizens Alliance Bank 82.9% PB Premier Bank 85.3% FR First Resource Bank 88.4% MB Minnwest Bank 91.6% TC Tradition Capital Bank 107.3%
Loans, year over yearMN banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.6% FN First National Bank of Bemidji +27.5% FR First Resource Bank +27.5% PB Premier Bank +8.3% MB Minnwest Bank +6.4% TC Tradition Capital Bank +6.1% SB Security Bank & Trust Co. +5.1% CA Citizens Alliance Bank +4.0% PS Park State Bank +3.6% DB Deerwood Bank +3.2% NA North American Banking Co. +3.0% TM Think Mutual Bank -1.5% MB Merchants Bank National Association -1.5%

SBA 7(a), FY2008 to FY2026

Tradition Capital Bank is the 91st largest 7(a) lender into Minnesota of 444, with $15M across 13 loans, 0.1% of everything approved in the state (Old National Bank leads with $1.05B). 4 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Minnesota, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hennepin, MN$7M57th of 2280.3%+0.7 pts
Dakota, MN$3M44th of 1600.4%thin
Carver, MN$2M27th of 860.9%quiet FY2010
Santa Fe, NM$2M27th of 650.8%thin
Orange, CA$1M176th of 2560.0%quiet FY2015
Scott, MN$852K49th of 960.4%quiet FY2022
Washington, MN$721K65th of 1090.2%quiet FY2021
Ramsey, MN$207K118th of 1390.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing3$5M30.8%0.01%658th of 2,246
Professional & technical services2$4M21.1%0.01%532nd of 1,955
Construction2$2M13.6%0.01%852nd of 2,063
Other services1$2M9.0%0.00%979th of 2,248
Administrative & waste services2$2M9.0%0.01%638th of 1,763
7(a) lenders into Minnesota, share of approvals since FY2008444 lenders on record; the ten largest and Tradition Capital Bank
ON Old National Bank 10.7% $1.05B · 2,156 loans WF Wells Fargo Bank National Associa… 6.7% $663M · 2,451 loans UB U.S. Bank, National Association 5.7% $556M · 3,508 loans B Bankvista 4.5% $438M · 1,010 loans CF Choice Financial Group 3.6% $349M · 744 loans PB Platinum Bank 3.2% $318M · 420 loans LO Live Oak Banking Company 2.5% $247M · 190 loans sC 21st Century Bank 2.4% $238M · 699 loans FN Falcon National Bank 2.1% $211M · 546 loans SB Sunrise Banks National Association 2.1% $204M · 726 loans TC Tradition Capital Bank 0.1% $15M · 13 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Tradition Capital BankRankCohort median
Total CRE against capital, the 300% screen291%10th of 12208%
Construction against capital, the 100% screen111%12th of 1244%
Construction and land development, share of loans13.1%12th of 126.7%
Non-owner-occupied nonfarm nonresidential, share of loans12.7%4th of 1215.0%
Total CRE, the guidance definition, share of loans34.3%7th of 1234.2%
CRE growth over 36 months, the third prong-0.3%3rd of 12+22.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Minnwest Bank$2.94B1.2%59.3%0.56%0.19%1.4%91.6%11.5%
Merchants Bank National Association$2.88B1.2%63.5%0.53%0.06%1.3%82.5%11.9%
Tradition Capital Bank$2.72B0.9%53.8%0.01%0.09%1.2%107.3%8.4%
Think Mutual Bank$2.23B0.6%75.7%0.25%0.05%0.5%65.2%15.4%
Deerwood Bank$1.52B1.8%57.3%0.29%0.02%0.9%69.3%8.9%
Park State Bank$1.49B1.3%51.6%0.92%0.55%1.0%74.9%9.8%
North American Banking Co.$1.47B2.0%49.7%0.51%0.02%1.2%72.1%6.8%
Citizens Alliance Bank$1.44B0.2%68.6%1.48%0.00%1.1%82.9%9.9%
Security Bank & Trust Co.$1.33B2.0%50.9%0.34%0.07%1.0%72.1%9.4%
Premier Bank$1.18B2.0%39.6%0.00%-0.02%1.4%85.3%9.6%
First Resource Bank$1.08B0.8%64.5%0.09%0.59%1.1%88.4%9.3%
First National Bank of Bemidji$1.08B1.4%52.2%1.99%0.00%0.6%65.0%8.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Tradition Capital BankCohort median
20212026Change20212026Change
Loans$1.08B$2.25B+108%$678M$929M+37%
Deposits$1.20B$2.10B+75%$906M$1.21B+34%
NPA / loans0.01%0.01%+0.00 pts0.68%0.43%-0.25 pts
Efficiency54.4%53.8%-0.6 pts55.1%55.6%+0.4 pts
ROA1.08%0.91%-0.17 pts1.41%1.27%-0.14 pts

This read was prepared for Tradition Capital Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Tradition Capital Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MN banks $1B to $3B
Institution WWW.TRADITION.BANK

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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