Triad Bank, N.A.: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.33 percentage points lower than in Q1 2026, at 88.71%. Among 169 Oklahoma banks, Triad Bank, N.A. sits 14th from the top on return on assets, 2.41% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Triad Bank, N.A. reported 2.41% on return on assets in Q2 2026, 1.15 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.66% |
| Equity capital to assets | 12.16% |
| Tangible equity to tangible assets | 12.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 34.80% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 295.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.41% |
| Return on equity | 18.90% |
| Net interest margin | 5.26% |
| Efficiency ratio | 53.37% |
| Yield on earning assets | 6.18% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.71% |
| Core deposits to total deposits | 95.47% |
| Brokered deposits to total deposits | 9.22% |
| Deposits to assets | 86.65% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.10% | 2.56% | 5.16% | 0.41% | 0.01% |
| Q4 2023 | 10.49% | 2.62% | 5.17% | 0.39% | 0.00% |
| Q1 2024 | 12.00% | 2.36% | 5.25% | 0.35% | 0.53% |
| Q2 2024 | 11.31% | 2.62% | 5.49% | 0.21% | -0.07% |
| Q3 2024 | 10.99% | 2.86% | 5.35% | 0.35% | 0.28% |
| Q4 2024 | 11.31% | 2.71% | 5.11% | 0.52% | 0.06% |
| Q1 2025 | 12.95% | 2.23% | 4.92% | 0.31% | -0.07% |
| Q2 2025 | 11.84% | 2.58% | 5.18% | 0.28% | 0.06% |
| Q3 2025 | 11.90% | 2.75% | 5.13% | 0.26% | -0.02% |
| Q4 2025 | 11.84% | 2.79% | 5.06% | 0.48% | 0.00% |
| Q1 2026 | 13.64% | 2.22% | 5.04% | 0.45% | 0.14% |
| Q2 2026 | 12.66% | 2.41% | 5.26% | 0.44% | -0.00% |
Triad Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24677) · FFIEC NIC profile (RSSD 283652)