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Triad Bank

$1B-$10B Specialty: Commercial MO FDIC cert 58121

Designations: ✓ Community bank

Frontenac, MO

2 branches across MO

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits +15.5% year over year ($896.7M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 1.38%.
  • Efficiency ratio 49.00% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.15% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

Triad Bank has 2 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

  • + Credit Quality Leader: Top 13.1% in tier
  • + Efficiency Ratio 10.73% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.2% in tier
  • - Credit Risk Growth: Bottom 39.3% in tier
  • - Non-Interest Income / Assets 0.44% below tier average
Get updates when Triad Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $1.1B
+13.8% YoY +10.2% QoQ
-$1.7B $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 10.3% in tier
Total Loans ? $799.4M
+9.0% YoY +3.1% QoQ
-$1.2B $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 14.4% in tier
Total Deposits ? $896.7M
+15.5% YoY +11.9% QoQ
-$1.4B $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 7.6% in tier
Return on Assets ? 1.38%
-4.6% YoY -4.9% QoQ
-0.01% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 3.87%
-0.7% YoY -1.1% QoQ
+0.00% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 49.00%
+1.1% YoY +3.0% QoQ
-10.73% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.21%
+23.0% YoY -52.9% QoQ
-0.66% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 89.15%
-5.7% YoY -7.9% QoQ
+4.11% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 15.79%
-12.8% YoY -12.8% QoQ
-5.48% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.15%
+17.8% YoY -56.0% QoQ
-0.52% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 13.09%
+3.0% YoY +0.4% QoQ
-1.76% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.08%
+0.8% YoY +108.0% QoQ
-0.44% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 7.2% 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 (MO) National Avg Tier Percentile
Noninterest-Bearing 15.8%
-2.3pp YoY
-2.3pp QoQ
 -5.6pp 21.4% 20.9% 22.2% 30%
Brokered Deposits 8.9%
-3.0pp YoY
-1.2pp QoQ
 -0.5pp 9.5% 7.4% 8.5% 65%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 17.5%
-3.3pp YoY
-0.8pp QoQ
 +3.5pp 14.0% 12.3% 12.5% 74%
CRE 61.5%
+4.4pp YoY
-0.5pp QoQ
 +11.5pp 50.0% 36.8% 41.4% 78%
1-4 Family 19.1%
-0.8pp YoY
+1.5pp QoQ
 -7.3pp 26.4% 31.9% 31.3% 40%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.1% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 13.1%
+0.4pp YoY
+0.1pp QoQ
 -2.5pp 15.6% 18.5% 19.7% 43%
Leverage Ratio 10.7%
+0.4pp YoY
0.0pp QoQ
 -0.6pp 11.3% 11.6% 12.6% 55%
Total Capital Ratio 14.3%
+0.4pp YoY
0.0pp QoQ
 -2.4pp 16.7% 19.6% 20.8% 44%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 67
0 YoY
-2 (-2.9%) QoQ
 -247 313 162 482 2%
Assets per Employee ($) $16.5M
+13.8% YoY
+13.5% QoQ
 +$6.0M $10.5M $8.0M $8.8M 92%
Branch Count 2
0 YoY
0 QoQ
 -18 20 10 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
-0.2pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 22%
Allowance Coverage 8.04x
-23.8% YoY
+99.9% QoQ
 -10.67x 18.71x 10.47x 20.23x 85%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.3% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 13.3%
-0.9pp YoY
-0.4pp QoQ
 +0.7pp 12.6% 14.3% 11.6% 60%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.8% 1.7% 81%
Net Income ($, YTD) $7.1M
+6.5% YoY
— QoQ
 -$12.1M $19.2M $11.3M $40.4M 24%

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)

Credit Quality Leader

growth
#30 of 221 • Top 13.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#51 of 492 • Bottom 10.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#159 of 402 • Bottom 39.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

182
Efficiency Ratio
profitability
Value: 49.00%
Peer Median: 59.73%
#182 of 885 Top 20.5% in $1B-$10B
193
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#193 of 885 Top 21.7% in $1B-$10B
198
Delinquency Rate
credit_quality
Value: 0.21%
Peer Median: 0.87%
#198 of 882 Top 22.3% in $1B-$10B

Top Weaknesses (4 metrics)

822
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#822 of 885 Bottom 7.2% in $1B-$10B
819
Total Deposits
size
Value: $896.71M
Peer Median: $2.32B
#819 of 885 Bottom 7.6% in $1B-$10B
795
Total Assets
size
Value: $1.11B
Peer Median: $2.79B
#795 of 885 Bottom 10.3% in $1B-$10B
759
Total Loans
size
Value: $799.40M
Peer Median: $1.96B
#759 of 885 Bottom 14.4% in $1B-$10B
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