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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.65% | 1.53% | 1.38% | 1.42% | 1.29% | 1.45% | 1.33% | -5 bps | |
| Return on Equity | 15.88% | 16.16% | 14.77% | 13.74% | 14.31% | 12.58% | 13.77% | 12.93% | -81 bps | |
| Net Interest Margin | 4.07% | 3.98% | 3.76% | 3.81% | 3.77% | 3.89% | 3.73% | 3.81% | 0 bps | |
| Efficiency Ratio | 48.08% | 42.37% | 48.13% | 48.76% | 47.80% | 52.11% | 47.59% | 50.32% | +156 bps | |
| Non-Interest Burden | 1.86% | 1.53% | 1.71% | 1.77% | 1.71% | 1.94% | 1.69% | 1.82% | +5 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 | 0.00% | 0.14% | 0.00% | 0.00% | 0.00% | 0.41% | 0.00% | 0.26% | +26 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 | |