BlastPoint's Banking Scorecard

Triad Business Bank

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

Greensboro, NC

3 branches across NC

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 17 in NC.
Deposits +0.9% year over year ($477.1M on the books).
Delinquency rate 1.39%.
Return on assets 0.18%.
Efficiency ratio 88.37% vs a 64.48% peer average.
Loan-to-deposit ratio 85.41% 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 17 in NC

View $100M-$1B leaderboard (NC) →

Triad Business Bank faces 4 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

- Efficiency Drag: Bottom 49.9% in tier
- Return on Assets 1.14% below tier average
- Net Interest Margin 1.28% below tier average
- Delinquency Rate 0.47% above tier average

Get updates when Triad Business Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$536.0M +0.9% YoY -0.2% QoQ	+$149.5M	$386.6M +1.2% YoY	$92.1B +0.4% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$407.5M +6.0% YoY +0.8% QoQ	+$149.2M	$258.3M +1.7% YoY	$45.3B +5.8% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$477.1M +0.9% YoY +9.1% QoQ	+$150.4M	$326.7M +0.7% YoY	$72.9B +1.1% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	0.18% +14.2% YoY -40.4% QoQ	-1.14%	1.32% +10.8% YoY	1.06% +26.4% YoY	1.30% +12.1% YoY	Bottom 5.3% in tier
Net Interest Margin ?	2.71% +17.2% YoY +3.2% QoQ	-1.28%	3.99% +5.0% YoY	3.48% +5.1% YoY	3.95% +4.9% YoY	Bottom 4.9% in tier
Efficiency Ratio ?	88.37% -7.7% YoY +1.3% QoQ	+23.89%	64.48% -3.2% YoY	69.25% -8.2% YoY	70.05% +2.5% YoY	Bottom 6.9% in tier
Delinquency Rate ?	1.39% +112.5% YoY -14.4% QoQ	+0.47%	0.92% +15.7% YoY	0.62% +17.0% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	85.41% +5.1% YoY -7.7% QoQ	+7.46%	77.95% +1.0% YoY	80.66% +1.6% YoY	79.03% +2.3% YoY	37%
Non-Interest-Bearing Deposit Share ?	19.92% -8.6% YoY +0.1% QoQ	-2.11%	22.03% -0.6% YoY	18.90% +1.9% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	1.06% +123.3% YoY -13.6% QoQ	+0.39%	0.67% +16.4% YoY	0.44% +14.6% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	11.54% +1.4% YoY +0.8% QoQ	-4.37%	15.91% +1.4% YoY	20.01% +3.4% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.09% +11.9% YoY +78.1% QoQ	-0.48%	0.57% +7.6% YoY	0.43% +2.6% YoY	0.66% +5.2% YoY	15%

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 (NC)	National Avg	Tier Percentile
Noninterest-Bearing	19.9% -1.9pp YoY 0.0pp QoQ	-2.2pp	22.1%	21.8%	22.2%	45%
Brokered Deposits	32.4% +2.2pp YoY -0.9pp QoQ	+24.6pp	7.9%	7.7%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
C&I	26.5% +4.7pp YoY +1.5pp QoQ	+15.0pp	11.6%	10.5%	12.5%	95%
CRE	67.3% -5.0pp YoY -0.9pp QoQ	+27.7pp	39.5%	46.3%	41.4%	91%
1-4 Family	6.5% +0.3pp YoY -0.1pp QoQ	-26.1pp	32.6%	44.2%	31.3%	6%
Consumer	0.5% -0.2pp YoY -0.4pp QoQ	-3.6pp	4.1%	1.6%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
CET1 Ratio	11.5% +0.2pp YoY +0.1pp QoQ	-7.3pp	18.8%	22.8%	19.7%	12%
Leverage Ratio	10.9% +0.1pp YoY 0.0pp QoQ	-1.3pp	12.2%	14.4%	12.6%	48%
Total Capital Ratio	12.3% +0.1pp YoY +0.1pp QoQ	-7.6pp	19.9%	23.8%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Full-Time Employees	55 +1 (+1.9%) YoY +3 (+5.8%) QoQ	-4	58	5,103	482	58%
Assets per Employee ($)	$9.7M -0.9% YoY -5.6% QoQ	+$2.2M	$7.5M	$9.4M	$8.8M	84%
Branch Count	3 0 YoY 0 QoQ	-2	4	170	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	1.4% +0.7pp YoY -0.2pp QoQ	+0.5pp	0.9%	0.7%	1.0%	80%
Allowance Coverage	0.62x -56.6% YoY +16.3% QoQ	-23.54x	24.15x	3.36x	20.23x	14%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
ROE	1.9% 0.0pp YoY -1.3pp QoQ	-10.3pp	12.2%	8.7%	11.6%	6%
Cost of Funds (YTD)	2.6% -0.5pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	91%
Net Income ($, YTD)	$482,000 +16.1% YoY — QoQ	-$2.1M	$2.6M	$518.0M	$40.4M	10%

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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 (1)

Efficiency Drag

risk

#181 of 361 • Bottom 49.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.37%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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).

Compare against:

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

Top Strengths (2 metrics)

531

Total Loans

size

Value: $407.52M

Peer Median: $258.35M

#531 of 2643 Top 20.1% in $100M-$1B

592

Total Deposits

size

Value: $477.14M

Peer Median: $326.73M

#592 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (6 metrics)

2514

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.99%

#2514 of 2643 Bottom 4.9% in $100M-$1B

2505

Return on Assets

profitability

Value: 0.18%

Peer Median: 1.32%

#2505 of 2643 Bottom 5.3% in $100M-$1B

2461

Efficiency Ratio

profitability

Value: 88.37%

Peer Median: 64.48%

#2461 of 2643 Bottom 6.9% in $100M-$1B

2245

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2245 of 2643 Bottom 15.1% in $100M-$1B

2142

Nonperforming Asset Ratio

credit_quality

Value: 1.06%

Peer Median: 0.67%

#2142 of 2643 Bottom 19.0% in $100M-$1B

2105

Delinquency Rate

credit_quality

Value: 1.39%

Peer Median: 0.92%

#2105 of 2633 Bottom 20.1% in $100M-$1B