TellerScore

Triad Bank (FDIC certificate #58121) is based in Frontenac, Missouri. Its Q2 2026 call report shows $1.1B in total assets and $896.7M in deposits and 2 offices.

Triad Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 120th. Problem-loan coverage contributes the most (97/100, 1.3%); funding & liquidity contributes the least (22/100, 89% loans-to-deposits, 59% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.74%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity22/100
Loans ÷ deposits and uninsured-deposit share: 89.1% · 59.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202467
Q4 202469
Q1 202570
Q2 202569
Q3 202569
Q4 202565
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.89%10.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.36%
Q3 202410.20%
Q4 202410.56%
Q1 202510.75%
Q2 202510.35%
Q3 202510.29%
Q4 202510.52%
Q1 202610.78%
Q2 202610.74%
Noncurrent loans
0.00%0.27%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.09%
Q4 20240.18%
Q1 20250.17%
Q2 20250.17%
Q3 20250.15%
Q4 20250.54%
Q1 20260.44%
Q2 20260.21%
Return on assets
1.35%1.44%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.43%
Q4 20241.49%
Q1 20251.53%
Q2 20251.45%
Q3 20251.44%
Q4 20251.41%
Q1 20261.45%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.1B10.74%0.21%1.38%89.1%
Q1 202667$1.0B10.78%0.44%1.45%96.8%
Q4 202565$979.2M10.52%0.54%1.41%96.5%
Q3 202569$992.1M10.29%0.15%1.44%92.6%
Q2 202569$971.2M10.35%0.17%1.45%94.5%
Q1 202570$916.2M10.75%0.17%1.53%102.2%
Q4 202469$878.1M10.56%0.18%1.49%103.9%
Q3 202467$865.4M10.20%0.09%1.43%105.2%
Q2 202468$859.3M10.36%0.00%1.35%102.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.74%
55th
Total risk-based capital14.34%
58th
Problem loans0.21%
77th
Net charge-offs0.13%
25th
Return on assets1.38%
62nd
Net interest margin3.87%
60th
Efficiency ratio49.0%
79th
Loans to deposits89.1%
44th
Uninsured deposits59.2%
4th
Loan-loss reserves1.66%
91st
Texas ratio1.3%
78th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
St. Louis BankBank Saint Louis, MO38 out of 100, Low$1.1B8.8%2.87%vs
Parkside Financial Bank & TrustBank Clayton, MO77 out of 100, Strong$1.1B13.0%0.00%vs
Bank of WashingtonBank Washington, MO44 out of 100, Below average$1.1B12.5%3.50%vs
Royal Banks of MissouriBank Saint Louis, MO70 out of 100, Strong$1.0B10.9%0.16%vs
Mid America BankBank Jefferson City, MO70 out of 100, Strong$1.2B10.8%0.89%vs
Montgomery BankBank Sikeston, MO70 out of 100, Strong$1.2B9.7%0.44%vs

Deposit insurance

Is my money safe at Triad Bank?

Yes. Triad Bank is an FDIC-insured institution (FDIC certificate #58121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 59.2% of deposits ($530.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.34% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Triad Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Triad Bank reported 54 home-loan applications under HMDA (LEI 549300514215EBX5I696): 52 originated ($36,730,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Triad Bank
Type
State-chartered bank
FDIC certificate #
58121
RSSD ID
3374382
Primary regulator
FDIC
Holding company
Triad Bcorp Inc
Established
October 24, 2005
Headquarters
10375 Clayton Rd, Frontenac, MO 63131
Employees
67

Quick answers

Triad Bank: common questions

Is Triad Bank FDIC insured?

Yes. Triad Bank is an FDIC-insured institution (FDIC certificate #58121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Triad Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Triad Bank ever failed?

There is no failure record for FDIC certificate #58121 in the FDIC failed bank list.

How many branches does Triad Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Frontenac

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs