Triad Bank
BankRegReports is independent of Triad Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Triad Bank is an FDIC-insured commercial bank headquartered in Frontenac, MO, established in 2005 (FDIC certificate 58121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.11B, up 13.8% from Q2 2025, the 34th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58121
- Headquarters
- Frontenac, MO
- Established
- 2005
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +13.8%
- CET1 ratio, Q2 2026
- 13.09%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081019162
- Latest call report
- Q2 2026, FFIEC 051 · Triad Bank call report
- Holding company
- TRIAD BANCORP, INC.
- Asset rank in state
- 34th of 191 in Missouri
Triad Bank, based in Frontenac, Missouri, reported $1.1 billion in assets at June 30, 2026, up 13.8% from a year earlier. It grew deposits 15.5% over the year, about triple the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 2.63% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
Deposits are coming in faster than loans: over the year loans rose 8.9% and deposits rose 15.5%.
As of June 30, 2026, Triad Bank reported a CET1 capital ratio of 13.09%, a return on assets of 1.36%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.35%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Triad Bank is the 34th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 10.2% to $1.11B, loans rose 3.0% and deposits rose 11.9%. Non-owner-occupied commercial real estate loans made up 24.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 18.8%. Its 2 offices in the FDIC Summary of Deposits are in Frontenac, MO and Creve Coeur, MO; its Frontenac office books 100% of its branch deposits. Judged on its Q2 2026 call report, Triad Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10375 Clayton Rd, Frontenac, MO 63131
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 24, 2005
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $896.7M
- Allowance for credit losses
- $13.5M
- Net charge-offs (YTD)
- $522K
- Average total assets
- $1.03B
- Average total loans
- $792.4M
- Average interest-bearing deposits
- $689.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 2005
- FDIC Cert
- 58121
- Fed RSSD
- 3374382
- SEC CIK
- 1517454 → filed by TRIAD BANCORP, INC.
- Website
- www.triadbanking.com →
- Parent Holding Company
- TRIAD BANCORP, INC. (RSSD 3722376)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Triad Bank's total assets moved between a low of $777.1M (Q3 2023) and a high of $1.11B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $971.2M; $994.4M total liabilities against $875.5M.
$799.4M net loans and leases against $733.4M; $896.7M total deposits against $776.1M.
$31.9M securities against $32.0M; $246.4M cash and balances due against $180.6M.
$15.9M total interest income against $14.9M; $6.0M total interest expense against $6.0M.
$9.8M net interest income against $8.9M.
$525K total noninterest income against $412K; $5.2M total noninterest expense against $4.6M.
$525K provision for credit losses against $450K.
$3.5M net income against $3.3M.
1.36% return on assets against 1.39%; 3.88% net interest margin against 3.88%.
13.09% CET1 capital ratio against 12.70%; 10.74% tier 1 leverage ratio against 10.35%.
Inside the full Triad Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Triad Bank rankings
Its closest position to the top of a national ranking is 791 of 3,606, for efficiency ratio; its furthest is 2,530 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.29% (Q4 2025) to 1.65% (Q4 2024) and its net interest margin ran from 3.80% (Q1 2026) to 4.17% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.09% | 1.36% | 0.21% | 1.35% | 3.88% |
| Q1 2026 | 13.04% | 1.45% | 0.44% | 2.86% | 3.80% |
| Q4 2025 | 13.00% | 1.29% | 0.54% | 3.54% | 3.96% |
| Q3 2025 | 13.17% | 1.43% | 0.15% | 1.03% | 3.83% |
| Q2 2025 | 12.70% | 1.39% | 0.17% | 1.15% | 3.88% |
| Q1 2025 | 12.31% | 1.55% | 0.17% | 1.19% | 3.84% |
| Q4 2024 | 12.27% | 1.65% | 0.18% | 1.66% | 4.08% |
| Q3 2024 | 11.99% | 1.59% | 0.09% | 1.12% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Triad Bank (main office) | Frontenac , MO | 63131 | $896.7M |
| Creve Coeur Branch | Creve Coeur , MO | 63141 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 49 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 54 applications, 52 loans originated, $36.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.5M approved, $506K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Triad Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Triad Bank
What are Triad Bank's total assets?
As of the Q2 2026 filing, Triad Bank reported total assets of $1.11 billion in its FFIEC call report.
Where is Triad Bank headquartered?
It is headquartered in Frontenac, MO, United States.
When was Triad Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Triad Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Triad Bank?
Triad Bank's primary federal regulator is the FDIC.
What is Triad Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Triad Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Triad Bank's Texas Ratio?
Its Texas Ratio is 1.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Triad Bank.
Get an email when Triad Bank files its next call report, and benchmark it against any peer you choose.
Unlock Triad Bank, freeFree account