Triad Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 183.83 percentage points in Q2 2026, from 316.92% to 500.74%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Triad Bank is 103rd of 191 on return on assets, 1.36% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Triad Bank sits 0.09 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.09% |
| Tier 1 risk-based capital ratio | 13.09% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 10.74% |
| Equity capital to assets | 10.02% |
| Tangible equity to tangible assets | 10.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 2.16% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | 500.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 12.93% |
| Net interest margin | 3.88% |
| Efficiency ratio | 50.32% |
| Yield on earning assets | 6.27% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.65% |
| Core deposits to total deposits | 86.20% |
| Brokered deposits to total deposits | 8.93% |
| Deposits to assets | 81.14% |
| Securities to assets | 2.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.06% | 12.06% | 13.31% | 10.43% | 1.43% |
| Q4 2023 | 11.87% | 11.87% | 13.13% | 10.19% | 1.28% |
| Q1 2024 | 12.46% | 12.46% | 13.72% | 10.31% | 1.65% |
| Q2 2024 | 12.03% | 12.03% | 13.28% | 10.36% | 1.06% |
| Q3 2024 | 11.99% | 11.99% | 13.25% | 10.20% | 1.59% |
| Q4 2024 | 12.27% | 12.27% | 13.52% | 10.56% | 1.65% |
| Q1 2025 | 12.31% | 12.31% | 13.57% | 10.75% | 1.55% |
| Q2 2025 | 12.70% | 12.70% | 13.96% | 10.35% | 1.39% |
| Q3 2025 | 13.17% | 13.17% | 14.42% | 10.29% | 1.43% |
| Q4 2025 | 13.00% | 13.00% | 14.26% | 10.52% | 1.29% |
| Q1 2026 | 13.04% | 13.04% | 14.29% | 10.78% | 1.45% |
| Q2 2026 | 13.09% | 13.09% | 14.34% | 10.74% | 1.36% |
Triad Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)