BlastPoint's Banking Scorecard
Triad Bank
Designations: ✓ Community bank
Frontenac, MO
2 branches across MO
Triad Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 13.47% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38.3% in tier
- - Liquidity Strain: Bottom 40.1% in tier
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+9.4% YoY
+2.4% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.2% in tier |
| Total Loans ? |
$775.6M
+5.8% YoY
+2.7% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.7% in tier |
| Total Deposits ? |
$801.2M
+11.7% YoY
+2.4% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.3% in tier |
| Return on Assets ? |
1.45%
-4.7% YoY
+3.2% QoQ
|
+0.09% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
3.91%
+1.1% YoY
-1.3% QoQ
|
+0.09% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
47.59%
-1.1% YoY
-3.4% QoQ
|
-13.47% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.44%
+155.5% YoY
-18.5% QoQ
|
-0.44% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
96.80%
-5.3% YoY
+0.3% QoQ
|
+12.60% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
18.11%
+0.7% YoY
-8.8% QoQ
|
-3.18% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.34%
+147.1% YoY
-18.2% QoQ
|
-0.33% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.04%
+5.9% YoY
+0.3% QoQ
|
-2.12% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.04%
-7.2% YoY
-76.2% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.9% in tier |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.