Triad Business Bank: 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): 16.93 percentage points lower than in Q1 2026, at 263.53%. Within North Carolina, Triad Business Bank is 17th of 38 on loan-to-deposit ratio, 86.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Triad Business Bank sits 5.30 points higher, at 86.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $411.0M |
| Net loans and leases | $407.5M |
| Loans held for sale | $0 |
| Loans to total assets | 76.67% |
| Loan-to-deposit ratio | 86.14% |
| Net loans to equity capital | 8.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.48% |
| Multifamily (5+ residential) | 1.75% |
| Commercial and industrial | 26.31% |
| Consumer | 0.54% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 263.53% |
| Construction concentration (Tier 1 capital + allowance) | 81.65% |
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 | 5.98% |
| Interest income on loans | $6.1M |
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 | $329.0M | $452.0M | 48.22% | 27.33% | 0.70% |
| Q4 2023 | $334.1M | $460.4M | 49.00% | 24.74% | 0.43% |
| Q1 2024 | $359.2M | $477.6M | 52.32% | 25.14% | 0.62% |
| Q2 2024 | $363.4M | $444.5M | 52.35% | 23.50% | 0.70% |
| Q3 2024 | $371.6M | $477.3M | 51.61% | 23.05% | 0.21% |
| Q4 2024 | $373.7M | $455.4M | 51.67% | 22.78% | 0.44% |
| Q1 2025 | $374.4M | $453.7M | 50.96% | 22.09% | 0.71% |
| Q2 2025 | $387.9M | $472.9M | 50.26% | 21.59% | 0.72% |
| Q3 2025 | $394.6M | $453.3M | 49.27% | 24.55% | 0.35% |
| Q4 2025 | $400.5M | $467.6M | 52.91% | 24.38% | 0.70% |
| Q1 2026 | $407.9M | $437.3M | 51.55% | 24.82% | 0.92% |
| Q2 2026 | $411.0M | $477.1M | 52.48% | 26.31% | 0.54% |
Triad Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Business Bank, 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59188) · FFIEC NIC profile (RSSD 5398627)