PackageTrendsPeer
Letter portraitLegal landscape

Triad Business Bank

Greensboro, NC · Cert 59188

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Triad Business Bank

Greensboro, NC · Cert 59188

State charter, non-member · FDIC · 3 branches

Q2 2026

$536.0MAssets
$411.0MLoans
$477.1MDeposits
$50.8MEquity
Loan mix
74%RE $302.7M25%C&I $101.3M1%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $382.1M20%Noninterest $95.1MQ2 2025Q2 2026

NIM

5.02%Q2 ’245.07%Q2 ’255.04%Q2 ’26+13%+18%

Non-interest income vs. expense

2.48%Q2 ’242.25%Q2 ’252.44%Q2 ’26-9%+8%

Market Position · Greensboro-High Point, NC · 2026 SOD (annual) · 2.6% share · #11 of 26 inst. · $0.4B of $16.7B

3.2% Guilford
0.4% Forsyth

Executive Summary

  • Earnings: ROA of 0.18%, up 2 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 1.38% of loans (+73 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 10.86%, up 9 bps from a year ago.
  • Funding: loans stand at 86.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+39 bps YoY

Efficiency Ratio (YTD, annualized)

88.37%-737 bps YoY

Tier 1 Leverage Ratio

10.86%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.23%0.26%0.30%0.18%+2 bps
Return on Equity1.86%2.62%2.99%3.19%1.90%+4 bps
Net Interest Margin2.20%2.29%2.38%2.52%2.59%+39 bps
Efficiency Ratio95.74%93.13%91.14%87.24%88.37%-737 bps
Non-Interest Burden2.10%2.12%2.15%2.17%2.27%+17 bps
Growth
Asset Growth (YoY)1.90%-1.88%1.10%3.01%0.89%-101 bps
Loan Growth (YoY)6.75%6.19%7.19%8.95%5.95%-80 bps
Deposit Growth (YoY)6.40%-5.04%2.67%-3.61%0.89%-551 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.64%0.54%1.61%1.38%+73 bps
Net Charge-Offs / Loans0.06%0.04%0.13%0.04%0.16%+10 bps
Allowance / Loans0.92%0.93%0.86%0.85%0.85%-7 bps
Allowance Coverage of NPLs1.4x1.5x1.6x0.5x0.6x-0.8x
Capital
Tier 1 Leverage Ratio10.76%10.84%10.95%10.86%10.86%+9 bps
Total Risk-Based Capital12.15%12.24%12.30%12.18%12.29%+14 bps
Equity / Assets8.69%9.39%9.52%9.43%9.48%+80 bps
Liquidity & Funding
Loans / Deposits82.03%87.06%85.65%93.29%86.14%+411 bps
Liquid Assets / Assets5.12%4.05%5.30%4.61%5.08%-5 bps
CRE / Total Capitaln/a470%473%466%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Triad Business Bank

Greensboro, NC · Cert 59188 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 3 branches

Q2 2026

$536.0MAssets
$411.0MLoans
$477.1MDeposits
$50.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 32% of banks under $1B in assets (rank 430 of 629).
  • Widest gap: return on assets trails 90% of banks under $1B in assets (rank 568 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.18%

Rank 568 of 629

Net Interest Margin

2.59%

Rank 557 of 629

Efficiency Ratio

88.37%

Rank 540 of 629

Equity / Assets

9.48%

Rank 430 of 629

Non-interest income vs. expense

$0.9M$13.3MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.37%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.18%0.60%1.01%1.45%Beats 10%568 / 629
Return on Equity1.90%5.38%9.30%13.28%Beats 12%554 / 629
Net Interest Margin2.59%3.03%3.54%4.05%Beats 11%557 / 629
Efficiency Ratio88.37%58.35%67.79%79.08%Beats 14%540 / 629
Asset Quality
Nonperforming Loans / Loans1.38%0.09%0.46%1.20%Beats 21%462 / 581
Net Charge-Offs / Loans0.08%n/a0.01%0.06%Beats 22%454 / 581
Capital
Tier 1 Capital Ratio11.54%11.24%13.84%18.77%Beats 28%452 / 629
Total Risk-Based Capital Ratio12.29%11.58%14.43%19.66%Beats 31%431 / 629
Equity / Assets9.48%9.09%10.65%13.80%Beats 32%430 / 629
Liquidity & Funding
Loans / Deposits86.14%67.24%80.90%93.48%61st pctl231 / 594
Loans / Assets76.67%53.31%67.71%78.15%71st pctl182 / 629
Brokered Deposits / Depositsn/aNot reported for this institution