Triad Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Triad Bank of Frontenac, MO against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.36% | 1.34% | +0.02% | 55th above |
| ROAE | 12.93% | 12.34% | +0.59% | 52nd above |
| Net Interest Margin | 3.88% | 3.83% | +0.05% | 61st above |
| Efficiency Ratio | 50.32% | 58.97% | -8.65% | 75th top |
| PPNR / Avg Assets | 1.99% | — | — | 67th above |
| Yield on Earning Assets | 6.27% | 5.71% | +0.56% | 84th top |
| Cost of Funds | 2.63% | 2.02% | +0.61% | 17th bottom |
| Net Interest Spread | 3.21% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.87% | -0.66% | 78th top |
| NPA / Total Assets | 0.15% | — | — | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.27% | 0.43% | -0.16% | 15th bottom |
| ACL / Total Loans | 1.66% | — | — | 91st top |
| ACL / NPLs (Coverage) | 804.06% | — | — | 85th top |
| Texas Ratio | 1.35% | 5.48% | -4.13% | 78th top |
| Provision / NCO | 99.81% | — | — | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.09% | 14.99% | -1.90% | 43rd below |
| Tier 1 Ratio | 13.09% | 15.02% | -1.93% | 42nd below |
| Total Capital Ratio | 14.34% | — | — | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.74% | 11.11% | -0.37% | 55th above |
| Equity / Assets | 10.02% | 11.02% | -1.00% | 43rd below |
| TCE / Tangible Assets | 10.02% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.65% | 86.99% | +3.66% | 42nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.20% | 85.57% | +0.63% | 38th below |
| Wholesale Funding Ratio | 7.96% | — | — | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.79% | — | — | 84th top |
| Loan Growth (Y/Y) | 8.87% | — | — | 68th above |
| Deposit Growth (Y/Y) | 15.54% | — | — | 85th top |
See Triad Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Triad Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Triad Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Triad Bank peer analysis.