Triad Bank
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
$1.1BAssets
$812.9MLoans
$896.7MDeposits
$110.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of banks $1B-$10B in assets (rank 59 of 328).
- Widest gap: net charge-offs / loans trails 66% of banks $1B-$10B in assets (rank 212 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $17.8M · efficiency ratio beats 82% of banks $1B-$10B in assets | 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 |