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314-993-4333
10375 Clayton Road
Frontenac, MO 63131

Triad Bank is headquartered in Frontenac and is the 95th largest bank in the state of Missouri. It is also the 2,509th largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 28 employees at 1 location. Triad Bank has a A+ health rating.

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Health

Data for Q2 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Triad Bank had $1.54 million in non-current loans and owned real-estate with $26.12 million in equity and loan loss allowances on hand to cover it. This gives Triad Bank a Texas Ratio of 5.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Triad Bank decreased dramatically from 9.91% as of June 30, 2013 to 5.91% as of June 30, 2014, resulting in a positive change of 40.40%.This indicates that the balance sheet and financial strength for Triad Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Triad Bank has increased its total deposits by $23.05 million, resulting in 13.32% 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 excellent.

Capitalization

GRADE:
B+

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 $255.01 million in assets with $26.12 million in equity, resulting in a capitalization level of 10.24%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58121
Year Established2005
Employees28
Primary RegulatorFDIC
Assets and Liabilities
Assets$255.01 million
Loans$189.80 million
Deposits$196.10 million
Equity Capital$23.55 million
Loan Loss Allowance$2.58 million
Unbacked Noncurrent Loans$280,000
Real Estate Owned$1.26 million
Historic Data - June 2013
Assets$225.16 million
Equity Capital$21.75 million
Loan Loss Allowance$2.44 million
Unbacked Noncurrent Loans$280,000
Real Estate Owned$1.73 million
Profit Margin - Quarterly
Return on Assets0.65%
Return on Equity6.93%
Interest Income$4.85 million
Rates

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Locations


Triad Bank Locations
Triad Bank10375 Clayton RoadFrontenac, MO 63131