BlastPoint's Banking Scorecard

Triad Business Bank

$100M-$1B Specialty: Commercial NC FDIC cert 59188

Greensboro, NC

3 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC

Triad Business Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 19.6% in tier
- Capital Constraint: Bottom 32.4% in tier
- Liquidity Strain: Bottom 42.6% in tier
- Return on Assets 0.97% below tier average
- Net Interest Margin 1.30% below tier average
- Efficiency Ratio 21.95% above tier average
- Delinquency Rate 0.73% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$536.9M +3.0% YoY +1.1% QoQ	+$150.8M	$386.1M +0.5% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$404.5M +9.1% YoY +1.9% QoQ	+$148.7M	$255.7M +1.1% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$437.3M -3.6% YoY -6.5% QoQ	+$109.3M	$328.0M +0.1% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	0.30% +98.9% YoY +14.4% QoQ	-0.97%	1.27% +12.9% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	Bottom 8.1% in tier
Net Interest Margin ?	2.63% +14.8% YoY +5.5% QoQ	-1.30%	3.93% +6.0% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	Bottom 4.5% in tier
Efficiency Ratio ?	87.24% -12.1% YoY -4.3% QoQ	+21.95%	65.29% -4.5% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	Bottom 8.3% in tier
Delinquency Rate ?	1.62% +199.2% QoQ	+0.73%	0.89% +18.8% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	92.49% +13.2% YoY +8.9% QoQ	+15.86%	76.64% +0.8% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	19.91% -6.0% YoY -6.3% QoQ	-2.11%	22.02% -1.0% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	1.22% +201.4% QoQ	+0.58%	0.64% +19.7% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	15%
Tier 1 Capital Ratio ?	11.44% -0.4% YoY -0.9% QoQ	-4.39%	15.83% +1.5% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.05% +10.8% YoY -69.7% QoQ	-0.23%	0.28% +9.3% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	19%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline

#100 of 506 • Bottom 19.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Constraint

risk

#36 of 108 • Bottom 32.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 92.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.44%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Liquidity Strain

risk

#275 of 643 • Bottom 42.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

537

Total Loans

size

Value: $404.45M

Peer Median: $255.72M

#537 of 2664 Top 20.1% in $100M-$1B

662

Total Assets

size

Value: $536.89M

Peer Median: $386.08M

#662 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (7 metrics)

2544

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.93%

#2544 of 2664 Bottom 4.5% in $100M-$1B

2450

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.27%

#2450 of 2664 Bottom 8.1% in $100M-$1B

2443

Efficiency Ratio

profitability

Value: 87.24%

Peer Median: 65.29%

#2443 of 2664 Bottom 8.3% in $100M-$1B

2257

Nonperforming Asset Ratio

credit_quality

Value: 1.22%

Peer Median: 0.64%

#2257 of 2664 Bottom 15.3% in $100M-$1B

2215

Delinquency Rate

credit_quality

Value: 1.62%

Peer Median: 0.89%

#2215 of 2654 Bottom 16.6% in $100M-$1B

2159

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2159 of 2664 Bottom 19.0% in $100M-$1B

2148

Loan-to-Deposit Ratio

liquidity

Value: 92.49%

Peer Median: 76.64%

#2148 of 2664 Bottom 19.4% in $100M-$1B