Triad Bank, N.A.: 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): 6.62 percentage points higher than in Q1 2026, at 131.79%. Within Oklahoma, Triad Bank, N.A. is 49th of 169 on loan-to-deposit ratio, 88.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Triad Bank, N.A. sits 7.76 points higher, at 88.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $175.7M |
| Net loans and leases | $173.4M |
| Loans held for sale | $0 |
| Loans to total assets | 76.86% |
| Loan-to-deposit ratio | 88.71% |
| Net loans to equity capital | 6.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.74% |
| Multifamily (5+ residential) | 0.49% |
| Commercial and industrial | 15.44% |
| Consumer | 3.57% |
| Credit cards | 0.00% |
| Farm | 1.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.79% |
| Construction concentration (Tier 1 capital + allowance) | 36.99% |
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 | 6.77% |
| Interest income on loans | $2.9M |
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 | $137.5M | $210.5M | 30.43% | 17.61% | 3.31% |
| Q4 2023 | $142.9M | $176.7M | 29.83% | 19.49% | 3.06% |
| Q1 2024 | $141.3M | $180.6M | 31.58% | 19.00% | 2.92% |
| Q2 2024 | $137.8M | $189.4M | 32.42% | 18.12% | 3.35% |
| Q3 2024 | $132.2M | $207.9M | 28.52% | 18.52% | 3.38% |
| Q4 2024 | $130.9M | $169.4M | 27.44% | 18.67% | 3.28% |
| Q1 2025 | $142.7M | $178.3M | 29.12% | 18.28% | 2.65% |
| Q2 2025 | $149.7M | $195.8M | 29.23% | 18.09% | 3.42% |
| Q3 2025 | $157.9M | $210.3M | 30.25% | 17.65% | 3.37% |
| Q4 2025 | $166.2M | $166.9M | 30.27% | 16.83% | 3.18% |
| Q1 2026 | $171.2M | $184.0M | 29.19% | 17.25% | 2.86% |
| Q2 2026 | $175.7M | $198.0M | 29.74% | 15.44% | 3.57% |
Triad Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24677) · FFIEC NIC profile (RSSD 283652)