TellerScore

Headquartered in Tulsa, Oklahoma, Triad Bank, National Association is a national bank with $228.6M in total assets and $198.0M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1983.

Based on its Q2 2026 filing, Triad Bank, National Association scores 50/100, which we describe as below average. That is higher than only 7% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 145th. Its strongest component is earnings (100/100; 2.31%), and its lowest is loan quality (0/100; 5.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.66%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.96%
Earnings100/100
Return on assets (annualized): 2.31%
Funding & liquidity24/100
Loans ÷ deposits and uninsured-deposit share: 87.5% · 58.9% uninsured
Problem-loan coverage30/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 34.80%

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 (51 → 50).

TellerScore
475155Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202448
Q4 202449
Q1 202555
Q2 202551
Q3 202551
Q4 202547
Q1 202652
Q2 202650
Tier 1 leverage ratio
5.00%9.32%13.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.32%
Q3 202410.99%
Q4 202411.31%
Q1 202512.95%
Q2 202511.84%
Q3 202511.90%
Q4 202511.84%
Q1 202613.64%
Q2 202612.66%
Noncurrent loans
4.90%6.18%7.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20247.09%
Q3 20247.47%
Q4 20247.24%
Q1 20255.95%
Q2 20255.10%
Q3 20254.90%
Q4 20256.93%
Q1 20266.75%
Q2 20265.96%
Return on assets
2.22%2.48%2.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.49%
Q3 20242.63%
Q4 20242.74%
Q1 20252.24%
Q2 20252.43%
Q3 20252.54%
Q4 20252.72%
Q1 20262.22%
Q2 20262.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$228.6M12.66%5.96%2.31%87.5%
Q1 202652$214.8M13.64%6.75%2.22%91.8%
Q4 202547$197.7M11.84%6.93%2.72%98.1%
Q3 202551$240.8M11.90%4.90%2.54%74.0%
Q2 202551$224.6M11.84%5.10%2.43%75.2%
Q1 202555$207.4M12.95%5.95%2.24%78.7%
Q4 202449$198.4M11.31%7.24%2.74%75.9%
Q3 202448$236.2M10.99%7.47%2.63%62.4%
Q2 202449$216.5M11.32%7.09%2.49%71.5%

2,650 peers · $100 million – $1 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 ratio12.66%
72nd
Total risk-based capital0.00%
24th
Problem loans5.96%
2nd
Net charge-offs0.07%
24th
Return on assets2.31%
93rd
Net interest margin5.21%
95th
Efficiency ratio54.2%
74th
Loans to deposits87.5%
32nd
Uninsured deposits58.9%
2nd
Loan-loss reserves1.30%
63rd
Texas ratio34.8%
2nd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Security Bank and Trust CompanyBank Oklahoma City, OK29 out of 100, Low$226.0M10.1%13.20%vs
First Texoma National BankBank Durant, OK50 out of 100, Below average$225.4M11.6%3.38%vs
Method BankBank Wyandotte, OK66 out of 100, Moderate$241.2M9.8%0.70%vs
The Idabel National BankBank Idabel, OK52 out of 100, Below average$242.3M16.2%8.39%vs
Bank of Grand LakeBank Grove, OK65 out of 100, Moderate$249.1M10.1%0.96%vs
Bank of CommerceBank Chelsea, OK82 out of 100, Strong$203.2M12.8%0.78%vs

Deposit insurance

Is my money safe at Triad Bank, National Association?

Yes. Triad Bank, National Association is an FDIC-insured institution (FDIC certificate #24677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 58.9% of deposits ($116.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Triad Bank, National Association lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Triad Bank, National Association reported 148 home-loan applications under HMDA (LEI 549300VUC1HUFKVPE720): 115 originated ($23,925,000 total), 13 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, 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, National Association
Type
National bank
FDIC certificate #
24677
RSSD ID
283652
Primary regulator
OCC
Holding company
Triad Bancshares Inc
Established
August 29, 1983
Headquarters
7646 E 61st St, Tulsa, OK 74133
Employees
32

Quick answers

Triad Bank, National Association: common questions

Is Triad Bank, National Association FDIC insured?

Yes. Triad Bank, National Association is an FDIC-insured institution (FDIC certificate #24677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Triad Bank, National Association's TellerScore?

50 out of 100 (Below average), 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, National Association ever failed?

There is no failure record for FDIC certificate #24677 in the FDIC failed bank list.

How many branches does Triad Bank, National Association have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs