Triad Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.69 percentage points lower than in Q1 2026, at 276.10%. Within Missouri, Triad Bank is 68th of 191 on loan-to-deposit ratio, 90.65% as of Q2 2026. At 90.65%, Triad Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $812.9M |
| Net loans and leases | $799.4M |
| Loans held for sale | $766K |
| Loans to total assets | 73.55% |
| Loan-to-deposit ratio | 90.65% |
| Net loans to equity capital | 7.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.35% |
| Multifamily (5+ residential) | 5.95% |
| Commercial and industrial | 17.22% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.37% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 276.10% |
| Construction concentration (Tier 1 capital + allowance) | 79.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.98% |
| Interest income on loans | $13.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $632.8M | $601.5M | 37.19% | 22.85% | 0.34% |
| Q4 2023 | $660.7M | $654.6M | 37.26% | 22.16% | 0.32% |
| Q1 2024 | $669.7M | $647.1M | 36.99% | 20.21% | 0.30% |
| Q2 2024 | $713.1M | $682.9M | 36.65% | 20.26% | 0.28% |
| Q3 2024 | $723.1M | $675.7M | 37.65% | 19.60% | 0.27% |
| Q4 2024 | $729.5M | $689.9M | 37.93% | 20.26% | 0.28% |
| Q1 2025 | $746.0M | $717.2M | 37.53% | 20.78% | 0.26% |
| Q2 2025 | $746.6M | $776.1M | 36.75% | 20.42% | 0.23% |
| Q3 2025 | $748.8M | $794.1M | 38.36% | 19.04% | 0.23% |
| Q4 2025 | $768.6M | $782.7M | 39.66% | 19.77% | 0.16% |
| Q1 2026 | $789.5M | $801.2M | 41.48% | 18.04% | 0.16% |
| Q2 2026 | $812.9M | $896.7M | 42.35% | 17.22% | 0.16% |
Triad Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Bank, freeSource: Call Report Schedule RC-C, 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)