# TRIAD BANK
FRONTENAC, MO · FDIC certificate 58121 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.11B | |
| Deposits | $896.7M | |
| Loans and leases | $812.9M | |
| Total equity | $110.7M | |
| Loans / deposits | 89.15% (p56 of band) | 87.10% |
| Liquid assets / assets | 25.19% (p65 of band) | |
| Uninsured deposits / deposits | 59.16% (p96 of band) | 30.76% |
| Brokered deposits | 7.24% | |
| Wholesale funding | 15.20% (p80 of band) | |
| FHLB advances / assets | 7.96% | |
| Tier 1 leverage | 10.74% (p55 of band) | 10.50% |
| Unrealized securities loss / equity | -0.26% (p95 of band) | -7.75% |
| AOCI / equity | 0.80% (p95 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.26% |
| Net interest margin | 3.87% (p61 of band) | 3.70% |
| Efficiency ratio | 49.00% (p21 of band) | |
| Noncurrent loans | 0.21% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p76 of band) | |
| Reserve coverage of noncurrent | 804.06% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 89.00% (p83 of band) | |
| Auto loans | $1.2M (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 15.5% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | charge-offs p90 | loans exceed deposits |
| 2011-09 | 3 |  | construction >100% equity, charge-offs p90 |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 4 | loans exceed deposits, charge-offs p90 |  |
| 2012-06 | 3 |  | charge-offs p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | brokered >10%, loans exceed deposits |
| 2013-03 | 3 | brokered >10%, capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 2 |  | loans exceed deposits, capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | loans exceed deposits |  |
| 2015-03 | 2 |  | loans exceed deposits |
| 2015-06 | 4 | loans exceed deposits, capital falling |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 5 | construction >100% equity |  |
| 2017-03 | 2 |  | loans exceed deposits, capital falling, construction >100% equity |
| 2017-06 | 3 | loans exceed deposits |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | construction >100% equity |  |
| 2018-03 | 3 |  | construction >100% equity |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | construction >100% equity |  |
| 2019-03 | 5 | capital falling |  |
| 2019-06 | 4 |  | capital falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 | capital falling | brokered >10% |
| 2020-12 | 2 |  | construction >100% equity, capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | construction >100% equity |  |
| 2021-09 | 3 | capital falling | construction >100% equity |
| 2021-12 | 1 |  | loans exceed deposits, capital falling |
| 2022-03 | 0 |  | wholesale funding >15% |
| 2022-06 | 1 | uninsured deposits >50% |  |
| 2022-09 | 2 | run vulnerability |  |
| 2022-12 | 2 | loans exceed deposits, deposits shrinking | uninsured deposits >50%, run vulnerability |
| 2023-03 | 2 | wholesale funding >15% | deposits shrinking |
| 2023-06 | 3 | uninsured deposits >50%, capital falling | loans exceed deposits |
| 2023-09 | 4 | loans exceed deposits, run vulnerability | capital falling |
| 2023-12 | 4 | construction >100% equity | loans exceed deposits |
| 2024-03 | 5 | loans exceed deposits |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 | brokered >10% | uninsured deposits >50%, run vulnerability |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 | uninsured deposits >50% | loans exceed deposits, brokered >10% |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 2 |  | uninsured deposits >50% |
| 2026-06 | 2 | uninsured deposits >50% | construction >100% equity |

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

- 2023-04-11 [Banks remain wary of marijuana industry, even after Missouri legalization vote - Missouri Independent](https://news.google.com/rss/articles/CBMivgFBVV95cUxNOTh0dzhnY3hiWWI5aExaR2NnLVBOcWZUR3BVVXFvaGpkU1BqanIwdkp3N0VsSjV4QlB5OVQ5QVgwMnB6SHBKRi1RZVZsWmJvNXJwc2ZxMUZaSDg5WFkzeDNUNWFBRUxnTFByaV9KdGFCeUhYXzFVZWVtV1luOWtJWXFwZ0VjOWY5UlNuUVpyeEZma09hYzlzSDVjelJiZVRReFR1RFBsbUhGMm9CbVppTmRXREU5a1BUWTFHNXVR?oc=5) · Missouri Independent
- 2025-05-27 [Relationship banking lands loan for $15M family entertainment complex - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaVFqcENWTi15T3lTWHVHYjQxalhFY0JmWlNyX2daWnkwcVY1NjBmSGluS0RBWkxTeDkxYWtXRjd0V1dMclBoNi00ZjR5dkNlbTBaZlJKTnBKdHJBMFVjbUpCdVczcVdrQTRBcGpBbUVWZlREVGJLcTJQT0hyb3pwZUtjUjhRMWR1djZDeDl5SXYwc3hBTVJfdlkzSWhaSnZHZDZYUXUzTXk?oc=5) · The Business Journals
- 2023-07-07 [Missouri governor signs bills impacting cannabis banking, employee background checks - Missouri Independent](https://news.google.com/rss/articles/CBMixgFBVV95cUxQczlhODE0YWhPOVBGSVFGZUIxamFCTmYtX09BV29PUGRGWG1Sc1VETG1SWU9SdkFiVjJqN1J6QzdpMlZjOFhadzZxSGlmellBQ2JlMGI2OS1Wc2VVd0tYei16dzhuMS1YSzBYOUZsSmcwOVVULXc0NGNpOVlHaUtGZmIyUjRXeVEwMk0ySjNuaEZfQXl5NHg0a2MwMWRmUlRmLXpHWWt1WWdxemY1SXhHcDlaZUVsci1rTGNrNmNMWElxT0VxT0E?oc=5) · Missouri Independent
- 2024-06-25 [Arrivederci: Former St. Louis bank CEO pursues dual US-Italy citizenship - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTThhVHA3SFhocU51NVdETWd2aHVfM3ViSUZvQk9OWlc2VkU0OERBUmxrelBBdEEyLURPNGM4cWZBMy1HVHRJcVpjbTNaY0VqdWN6bzlSWnZzRV9CVDNQQklYaUVteE1reUVPekYtNmI4SUJMcjhkWWxBdXhjbl9HMVc0MklxZkhwaUtOR0VJbWtGUQ?oc=5) · The Business Journals
- 2019-11-06 [Missouri may not let legal weed companies pay taxes in cash. That could be a problem. - Springfield News-Leader](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPd2NtdmxnTVYxczFmdUFzOVUxZHluc2VobnRmTVEwLUVsV0tNaVhkR1JhYlNYUVFGOUtPTDZWMmFaVFhqZEh4ZWpTbDU2ekRwOExiSVVfbFJtbDJyeGt2bi05LVNWVmx4NUdUVkQ2WFRoSDRVV1FHeDR0RVh2WW5NRjZBdEU5NDBaZ1hxWThqeWV3RFJtX1pKWDcxejlCVlFBTFZSYjlqMjNBanNJNWxyTVVrcGhZZ3hPcXp4UmJkZVFhcTFRZGRBS3VKQ0Y3MFA2UEItbEptUC0xZ0xNeDU2aFhB?oc=5) · Springfield News-Leader
- 2025-09-05 [Triad Bank seeks control of St. Louis contractor over $2.9M debt default - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOVHpZbVZYZ3BYT1duQmRZWVhONWhzRXp6VW5FMnpweUJZOEFkQi1wb0VmRHg1RTBBUlNCOTJrZnRWbEhzUEY5OHV1WmRRSjhfdmM5YjBwRXdreDVGNnd1dDlVMVMtSTYyRE9VUE9Rak9mMEFpR1N3Vi0ycWREY2Y5UHUtbkNDRTkzNmJuemdSQ09WaFVsbkhXY3BKZFM?oc=5) · The Business Journals
- 2020-03-06 [Armored cars and a watchful eye: How this St. Louis bank is wading into the marijuana market - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQTHBsSVlfQ0d2ZTVaWEFmd1lVTFhud2lMV3JzZ1RHX0lNRXg0dWZfcnpfRHRTMllKWmxQREUyRTRlQjNVb0FkRkJ4YkNnSUNNV3VuSHBzdS13NmZDSHBKd1ZYc295M2llMms4cEE4RjVKVzBMYkFFTWF0aWx6cGhWQkpoUEFYWmZyVEplcjBKVE5VeEZBZFNiaVhJdDR0WmdWSkRFS0NqY0hRZw?oc=5) · The Business Journals
- 2025-09-09 [Judge appoints receiver to run St. Louis contractor - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQajEyOWNPSFB4eFZJdk1qdE9ZN2ZPX19ycTRhUFllQzFkVjNfX05VSnRsM3gzVEtvOUNiZ1RXdzRERTR6TlBpTTlPWE5vRVpyWlR0RUFUaTFCbkRXT0VrYWFFZVptWTd4bXhERnlIekdHSU9pRmp4b0F2Rm1MM3pKbDY2TVRHUVl1MUd1bF9HYTFjWHFzWjN0U05ZOHNuMmNvZDlfeTlFSkZSYzg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58121 (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/9.json (key "58121", 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