Frontenac, MO · Cert 58121 · Triad Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
56
Profitability
63
Liquidity
80
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Frontenac, MO · Cert 58121 · Triad Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #28 of 111 inst. · $0.9B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.49% | 1.53% | 1.45% | 1.44% | 1.41% | 1.45% | 1.38% | -7 bps | |
| Return on Equity | 14.36% | 14.78% | 14.77% | 14.26% | 14.26% | 13.82% | 13.77% | 13.34% | -92 bps | |
| Net Interest Margin | 3.96% | 3.95% | 3.76% | 3.68% | 3.61% | 3.66% | 3.73% | 3.70% | +2 bps | |
| Efficiency Ratio | 51.21% | 48.94% | 48.13% | 48.46% | 48.23% | 49.26% | 47.59% | 49.00% | +54 bps | |
| Non-Interest Burden | 1.94% | 1.83% | 1.71% | 1.70% | 1.66% | 1.71% | 1.69% | 1.72% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.36% | 5.31% | 11.87% | 13.02% | 14.65% | 11.51% | 9.41% | 13.79% | +77 bps | |
| Loan Growth (YoY) | 14.27% | 10.40% | 11.40% | 4.70% | 3.56% | 5.37% | 5.82% | 8.87% | +417 bps | |
| Deposit Growth (YoY) | 12.33% | 5.39% | 10.83% | 13.64% | 17.52% | 13.45% | 11.72% | 15.54% | +191 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.18% | 0.17% | 0.17% | 0.15% | 0.54% | 0.44% | 0.21% | +4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | 0.13% | +13 bps | |
| Allowance / Loans | 1.70% | 1.78% | 1.74% | 1.77% | 1.81% | 1.77% | 1.76% | 1.66% | -11 bps | |
| Allowance Coverage of NPLs | 18.5x | 10.0x | 10.2x | 10.6x | 11.7x | 3.3x | 4.0x | 8.0x | -2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.20% | 10.56% | 10.75% | 10.35% | 10.29% | 10.52% | 10.78% | 10.74% | +39 bps | |
| Total Risk-Based Capital | 13.25% | 13.52% | 13.57% | 13.96% | 14.42% | 14.26% | 14.29% | 14.34% | +38 bps | |
| Equity / Assets | 10.01% | 10.41% | 10.27% | 9.85% | 10.01% | 10.48% | 10.65% | 10.02% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.02% | 105.74% | 104.02% | 96.20% | 94.30% | 98.21% | 98.53% | 90.65% | -556 bps | |
| Liquid Assets / Assets | 9.28% | 10.09% | 12.42% | 17.38% | 18.53% | 15.66% | 15.03% | 21.15% | +377 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 431% | 433% | 448% | n/a | n/a | |
Frontenac, MO · Cert 58121 · Peer group: banks $1B-$10B in assets (n=322-328) · Triad Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.29%
Rank 138 of 328
Net Interest Margin
3.70%
Rank 100 of 328
Efficiency Ratio
49.00%
Rank 59 of 328
Equity / Assets
10.02%
Rank 181 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.91% | 1.22% | 1.52% | Beats 58% | 138 / 328 | ||
| Return on Equity | 12.86% | 8.43% | 11.45% | 14.43% | Beats 62% | 126 / 328 | ||
| Net Interest Margin | 3.70% | 3.03% | 3.45% | 3.83% | Beats 70% | 100 / 328 | ||
| Efficiency Ratio | 49.00% | 51.61% | 59.56% | 67.53% | Beats 82% | 59 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.24% | 0.51% | 1.03% | Beats 77% | 74 / 322 | ||
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 34% | 212 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.09% | 11.75% | 13.15% | 15.47% | Beats 49% | 167 / 328 | ||
| Total Risk-Based Capital Ratio | 14.34% | 12.63% | 14.15% | 16.46% | Beats 53% | 154 / 328 | ||
| Equity / Assets | 10.02% | 9.15% | 10.33% | 12.01% | Beats 45% | 181 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.65% | 76.63% | 87.92% | 95.36% | 60th pctl | 130 / 323 | ||
| Loans / Assets | 73.55% | 65.18% | 74.15% | 79.98% | 47th pctl | 174 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||