Triad Bank

Triad Bank Locations
10375 Clayton Road
Frontenac, MO 63131
(314) 993-4333
www.triadbanking.com

Triad Bank is headquartered in Frontenac and is the 112st largest bank in the state of Missouri. It is also the 3,146th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 25 employees at 1 location. Triad Bank has a 4-star health rating.

Related Posts

Competitive 1-Year CD Special at Triad Bank - St. Louis Area Only - 2/7/2010

Triad Bank is offering a special 2.05% APY 12-month CD. Minimum deposit is $10,000. This special doesn't appear to be listed at the bank's website. It was advertised in today's (2/07/2010) St. Louis ...

3.05% 12-Month CD at Triad Bank - St. Louis Area Only - 3/15/2009

Triad Bank is offering a 3.05% APY 12-month CD. Minimum deposit is $10,000. This special doesn't appear to be listed at the bank's website. It was advertised in today's (3/16/09) St. Louis Post-Dispatch newspaper. The ad is available online here.It...


Data for Q1 2012


Institution Statistics


Triad Bank
FDIC Certificate #58121
BankRate ReportView
Year Established2005
Employees25
Primary RegulatorFDIC

Assets and Liabilities

Assets$197.71 million
Loans$148.40 million
Deposits$148.35 million
Equity Capital$20.58 million
Loan Loss Allowance$2.84 million
Unbacked Noncurrent Loans$2.28 million
Real Estate Owned$3.41 million

Historic Data - March 2011

Assets$184.78 million
Equity Capital$17.94 million
Loan Loss Allowance$2.88 million
Unbacked Noncurrent Loans$3.85 million
Real Estate Owned$1.01 million

Profit Margin - Quarterly

Net Interest Margin4.13%
Return on Assets0.79%
Return on Equity7.67%
Interest Income$2.35 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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 had $5.68 million in non-current loans and owned real-estate with $23.41 million in equity and loan loss allowances on hand to cover it. This gives Triad Bank a Texas Ratio of 24.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Triad Bank held steady from 23.29% as of March 31, 2011 to 24.26% as of March 31, 2012, resulting in a negative change of 4.18%. This indicates that the balance sheet and financial strength for Triad Bank has held steady in recent periods.
Deposit Growth4
In the past year, Triad Bank has increased its total deposits by $4.22 million, resulting in 2.93% 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 has shown is above average.
Capitalization4
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 has $197.71 million in assets with $23.41 million in equity, resulting in a capitalization level of 11.84%, which is above average.
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