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Triad Bank

Frontenac, MO · Cert 58121 · Triad Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$812.9MLoans
$896.7MDeposits
$110.7MEquity
Loan mix
81%RE $621.1M19%C&I $142.5M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $755.1M16%Noninterest $141.6MQ2 2025Q2 2026

NIM

6.26%Q2 ’246.13%Q2 ’255.97%Q2 ’26-8%+1%

Non-interest income vs. expense

2.21%Q2 ’241.87%Q2 ’251.90%Q2 ’26-16%+2%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #28 of 111 inst. · $0.9B of $141.7B

Executive Summary

  • Earnings: ROA of 1.38%, down 7 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.21% of loans (+4 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.74%, up 39 bps from a year ago.
  • Funding: loans stand at 90.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+2 bps YoY

Efficiency Ratio (YTD, annualized)

49.00%+54 bps YoY

Tier 1 Leverage Ratio

10.74%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.44%1.41%1.45%1.38%-7 bps
Return on Equity14.26%14.26%13.82%13.77%13.34%-92 bps
Net Interest Margin3.68%3.61%3.66%3.73%3.70%+2 bps
Efficiency Ratio48.46%48.23%49.26%47.59%49.00%+54 bps
Non-Interest Burden1.70%1.66%1.71%1.69%1.72%+3 bps
Growth
Asset Growth (YoY)13.02%14.65%11.51%9.41%13.79%+77 bps
Loan Growth (YoY)4.70%3.56%5.37%5.82%8.87%+417 bps
Deposit Growth (YoY)13.64%17.52%13.45%11.72%15.54%+191 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.15%0.54%0.44%0.21%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.10%0.00%0.13%+13 bps
Allowance / Loans1.77%1.81%1.77%1.76%1.66%-11 bps
Allowance Coverage of NPLs10.6x11.7x3.3x4.0x8.0x-2.5x
Capital
Tier 1 Leverage Ratio10.35%10.29%10.52%10.78%10.74%+39 bps
Total Risk-Based Capital13.96%14.42%14.26%14.29%14.34%+38 bps
Equity / Assets9.85%10.01%10.48%10.65%10.02%+17 bps
Liquidity & Funding
Loans / Deposits96.20%94.30%98.21%98.53%90.65%-556 bps
Liquid Assets / Assets17.38%18.53%15.66%15.03%21.15%+377 bps
CRE / Total Capitaln/a431%433%448%n/an/a