BlastPoint's Banking Scorecard

Triad Bank, National Association

$100M-$1B Specialty: Commercial OK FDIC cert 24677

Tulsa, OK

2 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +1.1% year over year ($198.0M on the books).
Delinquency rate 6.04%.
Return on assets 2.31%.
Efficiency ratio 54.20% vs a 64.48% peer average.
Loan-to-deposit ratio 87.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Triad Bank, National Association has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 7.5% in tier
+ Return on Assets 0.98% above tier average
+ Efficiency Ratio 10.28% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 5.12% above tier average
- Nonperforming Asset Ratio 3.91% above tier average
- Non-Interest Income / Assets 0.53% below tier average

Get updates when Triad Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$228.6M +1.8% YoY +6.4% QoQ	-$158.0M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$173.4M +17.7% YoY +2.7% QoQ	-$85.0M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$198.0M +1.1% YoY +7.6% QoQ	-$128.7M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	2.31% -5.2% YoY +4.0% QoQ	+0.98%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 7.0% in tier
Net Interest Margin ?	5.21% +0.5% YoY +1.7% QoQ	+1.22%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 5.3% in tier
Efficiency Ratio ?	54.20% +5.8% YoY -1.7% QoQ	-10.28%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	6.04% +16.4% YoY -11.8% QoQ	+5.12%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 1.6% in tier
Loan-to-Deposit Ratio ?	87.55% +16.4% YoY -4.6% QoQ	+9.60%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	68.06% +1.6% YoY +5.4% QoQ	+46.03%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Top 0.4% in tier
Nonperforming Asset Ratio ?	4.58% +34.7% YoY -14.9% QoQ	+3.91%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 1.3% in tier
Tier 1 Capital Ratio ?	12.66% +6.9% YoY -7.2% QoQ	-3.25%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.04% +0.7% YoY +87.9% QoQ	-0.53%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 3.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	68.1% +1.1pp YoY +3.5pp QoQ	+45.9pp	22.1%	23.9%	22.2%	100%
Brokered Deposits	9.2% -1.1pp YoY -1.4pp QoQ	+1.4pp	7.9%	9.7%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	15.6% -2.7pp YoY -1.8pp QoQ	+4.1pp	11.6%	15.7%	12.5%	78%
CRE	37.0% 0.0pp YoY +0.2pp QoQ	-2.5pp	39.5%	42.0%	41.4%	47%
1-4 Family	43.8% +2.4pp YoY +1.2pp QoQ	+11.2pp	32.6%	24.0%	31.3%	75%
Consumer	3.6% +0.1pp YoY +0.7pp QoQ	-0.5pp	4.1%	5.6%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	12.7% +0.8pp YoY -1.0pp QoQ	+0.5pp	12.2%	11.7%	12.6%	72%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	32 +2 (+6.7%) YoY 0 QoQ	-27	58	150	482	30%
Assets per Employee ($)	$7.1M -4.6% YoY +6.4% QoQ	-$376K	$7.5M	$6.5M	$8.8M	55%
Branch Count	2 0 YoY 0 QoQ	-3	4	8	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	5.6% +0.7pp YoY -0.8pp QoQ	+5.3pp	0.3%	0.9%	0.4%	100%
Nonaccrual	0.4% +0.2pp YoY 0.0pp QoQ	-0.5pp	0.9%	1.5%	1.0%	50%
Allowance Coverage	0.22x -28.7% YoY +10.5% QoQ	-23.93x	24.15x	61.99x	20.23x	2%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	17.6% -1.9pp YoY +1.3pp QoQ	+5.4pp	12.2%	11.9%	11.6%	80%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	9%
Net Income ($, YTD)	$2.5M -3.6% YoY — QoQ	-$90K	$2.6M	$8.7M	$40.4M	61%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#22 of 278 • Top 7.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 68.06%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.21%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 68.06%

Peer Median: 22.03%

#11 of 2643 Top 0.4% in $100M-$1B

140

Net Interest Margin

profitability

Value: 5.21%

Peer Median: 3.99%

#140 of 2643 Top 5.3% in $100M-$1B

187

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.32%

#187 of 2643 Top 7.0% in $100M-$1B

Top Weaknesses (3 metrics)

2610

Nonperforming Asset Ratio

credit_quality

Value: 4.58%

Peer Median: 0.67%

#2610 of 2643 Bottom 1.3% in $100M-$1B

2593

Delinquency Rate

credit_quality

Value: 6.04%

Peer Median: 0.92%

#2593 of 2633 Bottom 1.6% in $100M-$1B

2555

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2555 of 2643 Bottom 3.4% in $100M-$1B