Triad Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to total assets fell 0.63 percentage points in Q2 2026 to 10.02%, the biggest move on this page. Triad Bank ranks 55th of 97 Missouri banks on CET1 ratio, in the lower half at 13.09% (Q2 2026). Triad Bank reported 13.09% on CET1 ratio for Q2 2026, 0.41 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.09% |
| Tier 1 risk-based capital ratio | 13.09% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 10.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $110.8M |
| Tier 1 capital | $110.8M |
| Total risk-based capital | $121.5M |
| Total equity capital | $110.7M |
| Risk-weighted assets | $846.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.02% |
| Tangible equity to tangible assets | 10.02% |
| Equity capital to average assets | 10.73% |
| Internal capital growth rate | 13.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.6M |
| Common stock surplus | $29.1M |
| Retained earnings | $75.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$98K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.06% | 12.06% | 13.31% | 10.43% | $665.1M |
| Q4 2023 | 11.87% | 11.87% | 13.13% | 10.19% | $688.7M |
| Q1 2024 | 12.46% | 12.46% | 13.72% | 10.31% | $683.4M |
| Q2 2024 | 12.03% | 12.03% | 13.28% | 10.36% | $726.9M |
| Q3 2024 | 11.99% | 11.99% | 13.25% | 10.20% | $737.2M |
| Q4 2024 | 12.27% | 12.27% | 13.52% | 10.56% | $749.9M |
| Q1 2025 | 12.31% | 12.31% | 13.57% | 10.75% | $772.6M |
| Q2 2025 | 12.70% | 12.70% | 13.96% | 10.35% | $763.0M |
| Q3 2025 | 13.17% | 13.17% | 14.42% | 10.29% | $762.8M |
| Q4 2025 | 13.00% | 13.00% | 14.26% | 10.52% | $797.3M |
| Q1 2026 | 13.04% | 13.04% | 14.29% | 10.78% | $822.9M |
| Q2 2026 | 13.09% | 13.09% | 14.34% | 10.74% | $846.8M |
Triad Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Triad Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58121) · FFIEC NIC profile (RSSD 3374382)