Triad Business 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.
The standout move of Q2 2026 was in Deposits to assets: 7.57 percentage points higher than in Q1 2026, at 89.01%. On return on assets, Triad Business Bank is 4th from the bottom among 38 North Carolina banks, 0.06% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Triad Business Bank reported 0.06% on return on assets in Q2 2026, 1.20 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.29% |
| Tier 1 leverage ratio | 10.86% |
| Equity capital to assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.69% |
| Non-performing assets ratio | 1.30% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 12.81% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 50.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.06% |
| Return on equity | 0.61% |
| Net interest margin | 2.71% |
| Efficiency ratio | 89.39% |
| Yield on earning assets | 5.22% |
| Cost of funds | 2.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.14% |
| Core deposits to total deposits | 63.42% |
| Brokered deposits to total deposits | 32.41% |
| Deposits to assets | 89.01% |
| Securities to assets | 18.83% |
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 | 11.94% | 11.94% | 12.89% | 10.76% | -0.51% |
| Q4 2023 | 11.76% | 11.76% | 12.70% | 10.52% | -0.61% |
| Q1 2024 | 11.38% | 11.38% | 12.22% | 10.37% | -0.08% |
| Q2 2024 | 12.43% | 12.43% | 13.26% | 11.05% | -0.45% |
| Q3 2024 | 12.03% | 12.03% | 13.05% | 10.91% | -0.55% |
| Q4 2024 | 11.56% | 11.56% | 12.48% | 10.52% | -2.09% |
| Q1 2025 | 11.49% | 11.49% | 12.34% | 10.67% | 0.15% |
| Q2 2025 | 11.37% | 11.37% | 12.15% | 10.76% | 0.16% |
| Q3 2025 | 11.44% | 11.44% | 12.24% | 10.84% | 0.36% |
| Q4 2025 | 11.55% | 11.55% | 12.30% | 10.95% | 0.37% |
| Q1 2026 | 11.44% | 11.44% | 12.18% | 10.86% | 0.30% |
| Q2 2026 | 11.54% | 11.54% | 12.29% | 10.86% | 0.06% |
Triad Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Business 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59188) · FFIEC NIC profile (RSSD 5398627)