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
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).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 67 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.36% |
| Q3 2024 | 10.20% |
| Q4 2024 | 10.56% |
| Q1 2025 | 10.75% |
| Q2 2025 | 10.35% |
| Q3 2025 | 10.29% |
| Q4 2025 | 10.52% |
| Q1 2026 | 10.78% |
| Q2 2026 | 10.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.21% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.49% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $1.1B | 10.74% | 0.21% | 1.38% | 89.1% |
| Q1 2026 | 67 | $1.0B | 10.78% | 0.44% | 1.45% | 96.8% |
| Q4 2025 | 65 | $979.2M | 10.52% | 0.54% | 1.41% | 96.5% |
| Q3 2025 | 69 | $992.1M | 10.29% | 0.15% | 1.44% | 92.6% |
| Q2 2025 | 69 | $971.2M | 10.35% | 0.17% | 1.45% | 94.5% |
| Q1 2025 | 70 | $916.2M | 10.75% | 0.17% | 1.53% | 102.2% |
| Q4 2024 | 69 | $878.1M | 10.56% | 0.18% | 1.49% | 103.9% |
| Q3 2024 | 67 | $865.4M | 10.20% | 0.09% | 1.43% | 105.2% |
| Q2 2024 | 68 | $859.3M | 10.36% | 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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Louis BankBank Saint Louis, MO | 38 out of 100, Low | $1.1B | 8.8% | 2.87% | vs |
| Parkside Financial Bank & TrustBank Clayton, MO | 77 out of 100, Strong | $1.1B | 13.0% | 0.00% | vs |
| Bank of WashingtonBank Washington, MO | 44 out of 100, Below average | $1.1B | 12.5% | 3.50% | vs |
| Royal Banks of MissouriBank Saint Louis, MO | 70 out of 100, Strong | $1.0B | 10.9% | 0.16% | vs |
| Mid America BankBank Jefferson City, MO | 70 out of 100, Strong | $1.2B | 10.8% | 0.89% | vs |
| Montgomery BankBank Sikeston, MO | 70 out of 100, Strong | $1.2B | 9.7% | 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%).
2 locations
Branches
Triad Bank lists 2 offices in 2 cities. Most locations:
- Creve Coeur, MO (1)
- Frontenac, MO (1)
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
- Website
- www.triadbanking.com
- 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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |