Triad Bank, National Association

Triad Bank, National Association is headquartered in Tulsa and is the 98^th largest bank in the state of Oklahoma. It is also the 3,699^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 31 employees at 2 locations. Triad Bank, National Association's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Triad Bank, National Association FDIC Certificate # 24677 BankRate Report View Year Established 1983 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $160.29 million Loans $121.79 million Deposits $138.97 million Equity Capital $14.68 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $1.53 million Historic Data - March 2011 Assets $153.54 million Equity Capital $14.63 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $46,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 1.03% Return on Equity 10.91% Interest Income $1.66 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Triad Bank, National Association had $1.53 million in non-current loans and owned real-estate with $16.55 million in equity and loan loss allowances on hand to cover it. This gives Triad Bank, National Association a Texas Ratio of 9.25% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Triad Bank, National Association decreased significantly from (infinite) as of March 31, 2011 to 9.25% as of March 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Triad Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Triad Bank, National Association has increased its total deposits by $7.76 million, resulting in 5.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Triad Bank, National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Triad Bank, National Association has $160.29 million in assets with $16.55 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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