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Overview / Commentary
314-993-4333
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 2,724th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 29 employees at 1 location. Triad Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 December 31, 2013 Triad Bank had $1.83 million in non-current loans and owned real-estate with $24.79 million in equity and loan loss allowances on hand to cover it. This gives Triad Bank a Texas Ratio of 7.37% 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 16.88% as of December 31, 2012 to 7.37% as of December 31, 2013, resulting in a positive change of 56.36%.This indicates that the balance sheet and financial strength for Triad Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Triad Bank has increased its total deposits by $3.07 million, resulting in 1.79% 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.

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 $231.96 million in assets with $24.79 million in equity, resulting in a capitalization level of 10.69%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58121
Year Established2005
Employees29
Primary RegulatorFDIC
Assets and Liabilities
Assets$231.97 million
Loans$177.87 million
Deposits$174.39 million
Equity Capital$22.25 million
Loan Loss Allowance$2.55 million
Real Estate Owned$1.83 million
Historic Data - December 2012
Assets$221.51 million
Equity Capital$21.52 million
Loan Loss Allowance$2.40 million
Real Estate Owned$4.04 million
Profit Margin - Quarterly
Net Interest Margin3.82%
Return on Assets0.68%
Return on Equity6.98%
Interest Income$9.29 million
Rates

Sorry, we do not have rate data for Triad Bank

Locations


Triad Bank Locations
Triad Bank10375 Clayton RoadFrontenac, MO 63131