# TRIAD BUSINESS BANK
GREENSBORO, NC · FDIC certificate 59188 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $536.0M | |
| Deposits | $477.1M | |
| Loans and leases | $411.0M | |
| Total equity | $50.8M | |
| Loans / deposits | 85.41% (p60 of band) | 82.04% |
| Liquid assets / assets | 22.73% (p43 of band) | |
| Uninsured deposits / deposits | 36.30% (p82 of band) | 25.97% |
| Brokered deposits | 28.85% | |
| Wholesale funding | 29.59% (p98 of band) | |
| FHLB advances / assets | 0.75% | |
| Tier 1 leverage | 10.86% (p52 of band) | 10.81% |
| Unrealized securities loss / equity | -20.20% (p22 of band) | -8.10% |
| AOCI / equity | -0.57% (p38 of band) | |
| ROA (annualized) | 0.18% (p5 of band) | 1.28% |
| Net interest margin | 2.71% (p5 of band) | 3.91% |
| Efficiency ratio | 88.37% (p94 of band) | |
| Noncurrent loans | 1.38% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 61.54% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 100.78% (p87 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-03 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2020-06 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2020-09 | 7 | capital falling |  |
| 2020-12 | 6 |  | wholesale funding >15% |
| 2021-03 | 4 |  | NIM <2.5%, loans exceed deposits |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | capital falling |  |
| 2022-06 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 7 | brokered >10% | construction >100% equity |
| 2022-12 | 7 | construction >100% equity | brokered >10% |
| 2023-03 | 9 | brokered >10%, wholesale funding >15%, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 9 | uninsured deposits leaving | uninsured deposits >50% |
| 2023-09 | 9 |  |  |
| 2023-12 | 9 |  |  |
| 2024-03 | 9 |  |  |
| 2024-06 | 8 | deposits shrinking | capital falling, uninsured deposits leaving |
| 2024-09 | 7 |  | deposits shrinking |
| 2024-12 | 9 | capital falling, charge-offs p90 |  |
| 2025-03 | 7 | deposits shrinking | losing money, capital falling, charge-offs p90 |
| 2025-06 | 6 |  | deposits shrinking |
| 2025-09 | 6 | deposits shrinking | securities losses >30% of equity |
| 2025-12 | 5 |  | deposits shrinking |
| 2026-03 | 5 | reserve under noncurrent | NIM <2.5% |
| 2026-06 | 6 | capital falling |  |

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

- 2026-02-17 [CEO Ramsey Hamadi: Triad Business Bank has found its market niche - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNY2JJRFZNa2JEWTkwQmFTb3lpdjNKWVYxYWZ1a3k0b3ZrOUdtVGJyQTBEQlRRcnc1dXhnRnRuZzFBMGNxODMzR29VMXRhTmhjUWhPdFdaSVY4bFFmUFhmVzMxMTZIc3laOFVrZUQxamlybU1HWDgyNzJWYkloYzMzcllFTDJkbjRydEs4QjlpcDdLVzBQdi05MkpFNWVhSHNxUGc?oc=5) · The Business Journals
- 2026-07-17 [Triad banks top $1 trillion in commercial and industrial loans after 7% increase - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNQ1V1MklWMFBCQlhYYnh6MEtaNnVOZmRaRndzUWNnMjF6MUE4V2xxZzk4bHlXbmFqeDZQcjYzX1R4dVhFUm5WNlZWbW0yVkdzT2VaTzhDS1lwZG44SlVPSzhiTEhaMkNDWVkyZkdRUW9GYUIzbEROQ0o3MFJ0S2Ewc18yRmRmRkFZd25KSWwyaFRvMmNjaUVwR3pSTjk2emJQQ0V2R0FLX0g?oc=5) · The Business Journals
- 2022-02-09 [Triad Business Bank promotes top commercial lenders to market presidents for Winston-Salem, Greensboro - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNLVJWLTJPaXVrUllTbUhHQ1pTU0VOcjFmemJNUWZWaWJ5YllGdFVpOWtEbEpwSW56LWQ0cXVueVcxUWlrYVExVzJ2UzhfTVE0WExQaG9sUnJpYkxybFYxdG1XWjlOckpYVjZNbVNmWmY4Rl9CWkdTQjdaWGR4ODlsWnUteHQ0TW9Qd1BNS3VhWFFITVM2RE5ES0tlVVhYN3hmR1BHR3phcw?oc=5) · The Business Journals
- 2020-03-11 [Opening day: Triad Business Bank gains FDIC, state OK to officially open - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRDI5WnZnTFczUWZvLXZUa0U4UmVVc240RmRCX2hkeVk5c21nRTZqc1VpVk5xMC1zTmJ1UFRmMUJXZXMwTWlka2g5WGdxM0U2Z3pEYWtLZ1lXTTBuY3BCel9BUzYtM3BDUUlqM0tuNlQxNThxQmJMUllQYzVNSGtIODdwNW5ZV01YZlBJNDNHM1FEZlNiUlcyV3JiZ1BRbm5nSUtfUDJn?oc=5) · The Business Journals
- 2021-11-15 [Bank of America to close two Triad financial centers - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPR09tVm8tMGFNc05xR21PVHBPREl6dm92TkxCaWd1T0dZOEkyRUktMThqcDM1bnhJZFVhRDJVYlEtY1prTlBoSmpkNGFLVGNxOGdEdloyMkJDN1NQbDBacENjSzlSQ28yUWZZS3Rtb2tkbFhkeUxFVzVycy15dzRzMUlweDRyQkh3R3g0ZWVVUW1XTm43RVNCTkpQbXNVQQ?oc=5) · The Business Journals
- 2023-02-21 [TBJ's 2023 Class of 40 Under 40: Nathan Lang of First Bank in Greensboro - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaTQzWGV3cVhlc21icWc2TGRWSjBKTlRod1FlQm0wTXE1amlOZ1hjRENSc2dxNjZ2T1c3bjg4S2xZenEzRXFpaVZ3WmpnX2pBdEc1RkNjNmhPS1QtT2hhdXdSUHRBaGNYR3hJdW5sWkFuMUhhMU95cVFwREFQMmcxTTBVRHpuQmM5NU1yM2l2LWVoV28?oc=5) · The Business Journals
- 2024-09-26 [Truist slips but still market leader in Triad markets - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOOEtMenpEOERXOFItLVlneUktMVc2cVFuX0ZaQU9IRENMNWhHbFQ4blJHa1MtRmRGSFpURmxPVnVHM3l3RGlGcF95aGFEdk1nMTJDdExIUVNJY1I2eHM2dnVrUVJiNTR2bmRyOVN0R1hseUNaOEFNaUZMRFB0SlR6ZXhVcUx3cWJiQk4ycl9JMk1ZcDNMam13dDhCZjRzNmJBWnR3Q3h3?oc=5) · The Business Journals
- 2020-01-27 [Q&A: Ramsey Hamadi, Triad Business Bank - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxOOUpBT0tDbkJRaWQ1T2ZQcTlNUmFfanE4MVRXaDVqN1hFMTY0SHdYWmZWMUVYSXE5MnhNR0VsQ2FkenBqZXN3Qk5CRkduVVBjUVFYLThOZWNFaVByWHpIWmdkVDVfSzlnOFp1S01KU3pwMjFNMXJsc2FkX2ZnSzZWY1RIaFV3Y1RXUllpWHRfMkU0WkZxLWJj?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59188 (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/52.json (key "59188", 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