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Overview / Commentary
10375 Clayton Road
Frontenac, MO 63131

Triad Bank is headquartered in Frontenac and is the 97th largest bank in the state of Missouri. It is also the 2,571st largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 29 employees at 1 location. Triad Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 March 31, 2014 Triad Bank had $2.57 million in non-current loans and owned real-estate with $25.39 million in equity and loan loss allowances on hand to cover it. This gives Triad Bank a Texas Ratio of 10.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Triad Bank decreased dramatically from 16.74% as of March 31, 2013 to 10.11% as of March 31, 2014, resulting in a positive change of 39.62%.This indicates that the balance sheet and financial strength for Triad Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Triad Bank has increased its total deposits by $20.02 million, resulting in 11.76% 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.



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 $248.77 million in assets with $25.39 million in equity, resulting in a capitalization level of 10.21%, which is above average.

Institution Statistics

FDIC Certificate #58121
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$248.77 million
Loans$178.74 million
Deposits$190.31 million
Equity Capital$22.83 million
Loan Loss Allowance$2.56 million
Unbacked Noncurrent Loans$859,000
Real Estate Owned$1.71 million
Historic Data - March 2013
Assets$220.74 million
Equity Capital$21.88 million
Loan Loss Allowance$2.46 million
Unbacked Noncurrent Loans$859,000
Real Estate Owned$3.64 million
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets0.64%
Return on Equity6.87%
Interest Income$2.40 million

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Triad Bank Locations
Triad Bank10375 Clayton RoadFrontenac, MO 63131