# TRIAD BANK NATIONAL ASSN
TULSA, OK · FDIC certificate 24677 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $228.6M | |
| Deposits | $198.0M | |
| Loans and leases | $175.7M | |
| Total equity | $27.8M | |
| Loans / deposits | 87.55% (p75 of band) | 73.59% |
| Liquid assets / assets | 20.71% (p23 of band) | |
| Uninsured deposits / deposits | 58.94% (p99 of band) | 19.81% |
| Brokered deposits | 7.99% | |
| Wholesale funding | 8.96% (p83 of band) | |
| FHLB advances / assets | 0.97% | |
| Tier 1 leverage | 12.66% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.31% (p91 of band) | 1.17% |
| Net interest margin | 5.21% (p94 of band) | 3.93% |
| Efficiency ratio | 54.20% (p21 of band) | |
| Noncurrent loans | 5.96% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p81 of band) | |
| Reserve coverage of noncurrent | 21.87% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 40.04% (p73 of band) | |
| Auto loans | $1.4M (0.79% of loans; DQ 4.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | liquid assets <10%, capital falling | wholesale funding >15% |
| 2012-03 | 2 |  | brokered >10%, liquid assets <10%, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 4 | uninsured deposits leaving |  |
| 2013-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 2 |  | charge-offs p90, capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | deposits shrinking, assets shrinking |  |
| 2014-09 | 3 | uninsured deposits >50% | deposits shrinking, assets shrinking |
| 2014-12 | 6 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2015-03 | 3 |  | loans exceed deposits, liquid assets <10%, assets shrinking |
| 2015-06 | 4 | uninsured deposits >50%, run vulnerability | deposits shrinking |
| 2015-09 | 6 | capital falling, deposits shrinking |  |
| 2015-12 | 4 | liquid assets <10% | uninsured deposits >50%, run vulnerability, deposits shrinking |
| 2016-03 | 4 | assets shrinking | capital falling |
| 2016-06 | 5 | uninsured deposits >50%, run vulnerability, charge-offs p90 | liquid assets <10%, assets shrinking |
| 2016-09 | 5 | capital falling | run vulnerability |
| 2016-12 | 6 | loans exceed deposits, liquid assets <10%, construction >100% equity, deposits shrinking | uninsured deposits >50%, charge-offs p90, capital falling |
| 2017-03 | 3 |  | loans exceed deposits, construction >100% equity, deposits shrinking |
| 2017-06 | 5 | uninsured deposits >50%, run vulnerability, construction >100% equity | liquid assets <10% |
| 2017-09 | 6 | capital falling, deposits shrinking | construction >100% equity |
| 2017-12 | 6 | liquid assets <10% | deposits shrinking |
| 2018-03 | 5 | loans exceed deposits, deposits shrinking | uninsured deposits >50%, run vulnerability, capital falling |
| 2018-06 | 5 | uninsured deposits >50%, run vulnerability, charge-offs p90 | liquid assets <10%, loans exceed deposits, deposits shrinking |
| 2018-09 | 5 | capital falling | charge-offs p90 |
| 2018-12 | 2 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 5 | uninsured deposits >50%, run vulnerability, charge-offs p90 |  |
| 2019-09 | 5 | capital falling | run vulnerability |
| 2019-12 | 6 | loans exceed deposits, liquid assets <10% | uninsured deposits >50% |
| 2020-03 | 6 | uninsured deposits >50%, run vulnerability | charge-offs p90, capital falling |
| 2020-06 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2020-09 | 5 | capital falling |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | capital falling |
| 2021-06 | 4 | construction >100% equity | run vulnerability |
| 2021-09 | 4 | capital falling | construction >100% equity |
| 2021-12 | 5 | run vulnerability, construction >100% equity | capital falling |
| 2022-03 | 4 |  | run vulnerability |
| 2022-06 | 5 | charge-offs p90 |  |
| 2022-09 | 5 | capital falling | charge-offs p90 |
| 2022-12 | 4 |  | construction >100% equity |
| 2023-03 | 3 |  | capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 2 |  | uninsured deposits >50%, capital falling |
| 2024-03 | 4 | uninsured deposits >50%, charge-offs p90 |  |
| 2024-06 | 5 | deposits shrinking |  |
| 2024-09 | 5 | capital falling | deposits shrinking |
| 2024-12 | 2 |  | uninsured deposits >50%, charge-offs p90, capital falling |
| 2025-03 | 3 | uninsured deposits >50% |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | brokered >10% | uninsured deposits >50% |
| 2026-03 | 4 | uninsured deposits >50%, run vulnerability | brokered >10% |
| 2026-06 | 3 |  | run vulnerability |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24677 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "24677", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide