Triad Bank, N.A. (Tulsa, OK)
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Data as of · sourced from FFIEC call reports. How we update
Triad Bank, N.A. is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1983 (FDIC certificate 24677), and it is supervised by the OCC. At Q2 2026 it reported total assets of $228.6M, up 1.8% from Q2 2025, the 94th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24677
- Headquarters
- Tulsa, OK
- Established
- 1983
- Total assets, Q2 2026
- $228.6M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 12.66%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103903046
- Latest call report
- Q2 2026, FFIEC 051 · Triad Bank, N.A. call report
- Holding company
- TRIAD BANCSHARES, INC.
- Asset rank in state
- 94th of 169 in Oklahoma
Problem loans are rising at Triad Bank, N.A.. It reported $229 million in assets at June 30, 2026, up 1.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.90% of loans from 0.32% a year earlier. It earns about $2.41 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.26 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 17.4% and deposits rose 1.1%. Its $27 million commercial and industrial book is improving, with 3.16% past due or on nonaccrual, down from 3.71% a year earlier.
As of June 30, 2026, Triad Bank, N.A. reported a return on assets of 2.41%, a nonperforming-loan ratio of 5.96% and a Texas ratio of 5.26%. The figures come from its call report filed with the FFIEC.
Triad Bank, N.A. ranks as the 94th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.4% to $228.6M, loans rose 2.6% and deposits rose 7.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.2% of total loans, followed by non-owner-occupied commercial real estate loans at 15.7%. The FDIC Summary of Deposits lists 2 offices for it, in Tulsa, OK. On its Q2 2026 call report, Triad Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7646 E 61st St, Tulsa, OK 74133
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 29, 1983
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $198.0M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $59K
- Average total assets
- $219.5M
- Average total loans
- $173.5M
- Average interest-bearing deposits
- $61.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 29, 1983
- FDIC Cert
- 24677
- Fed RSSD
- 283652
- Website
- Triadbank.com →
- Parent Holding Company
- TRIAD BANCSHARES, INC. (RSSD 1129690)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Triad Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Triad Bank, N.A.'s total assets ran between $197.7M (Q4 2025) and $240.8M (Q3 2025), 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
$228.6M total assets against $224.6M; $200.8M total liabilities against $198.6M.
$173.4M net loans and leases against $147.3M; $198.0M total deposits against $195.8M.
$0 securities against $0; $47.3M cash and balances due against $69.6M.
$3.3M total interest income against $3.3M; $491K total interest expense against $563K.
$2.8M net interest income against $2.8M.
$42K total noninterest income against $44K; $1.5M total noninterest expense against $1.4M.
No provision recorded in the last 12 quarters.
$1.3M net income against $1.4M.
2.41% return on assets against 2.58%; 5.26% net interest margin against 5.18%.
12.66% tier 1 leverage ratio against 11.84%.
Inside the full Triad Bank, N.A. 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Triad Bank, N.A. rankings
Its closest position to the top of a national ranking is 201 of 3,611, for ROA; its furthest is 2,810 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.22% (Q1 2026) to 2.86% (Q3 2024) and its net interest margin ran from 4.92% (Q1 2025) to 5.35% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.66% | 2.41% | 5.96% | 5.26% | 5.26% |
| Q1 2026 | 13.64% | 2.22% | 6.75% | 7.03% | 5.04% |
| Q4 2025 | 11.84% | 2.79% | 6.93% | 4.17% | 5.06% |
| Q3 2025 | 11.90% | 2.75% | 4.90% | 1.82% | 5.13% |
| Q2 2025 | 11.84% | 2.58% | 5.10% | 1.69% | 5.18% |
| Q1 2025 | 12.95% | 2.23% | 5.95% | 1.93% | 4.92% |
| Q4 2024 | 11.31% | 2.71% | 7.24% | 1.29% | 5.11% |
| Q3 2024 | 10.99% | 2.86% | 7.47% | 3.42% | 5.35% |
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, N.A. (main office) | Tulsa , OK | 74133 | $198.0M |
| Souther Hills Branch | Tulsa , OK | 74105 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- February 25, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Triad Bank, N.A.
- Period: Most recent institution action February 25, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OK, rank 106 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 151 applications, 115 loans originated, $23.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $1.3M approved, $220K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Triad Bank, N.A.
What are Triad Bank, N.A.'s total assets?
As of the Q2 2026 filing, Triad Bank, N.A. reported total assets of $228.6 million in its FFIEC call report.
Where is Triad Bank, N.A. headquartered?
It is headquartered in Tulsa, OK, United States.
When was Triad Bank, N.A. founded?
It was established in 1983, per the FDIC institution directory.
Is Triad Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Triad Bank, N.A.?
Triad Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Triad Bank, N.A. 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, N.A.'s Texas Ratio?
Its Texas Ratio is 5.26% 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.
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