| Metric | Triad Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.5% | +8.3 pts |
| Deposit growth (YoY) | +15.5% | +5.1% | +10.5 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.38% | 1.26% | +0.1 pts |
| ROE | 13.3% | 12.2% | +1.2 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $896.7M | $799.4M | $110.7M | $7.1M | 1.38% | 3.87% | 0.15% |
| Q1 2026 | $1.00B | $801.2M | $775.6M | $106.8M | $3.6M | 1.46% | 3.91% | 0.34% |
| Q4 2025 | $979.2M | $782.7M | $755.0M | $102.7M | $13.4M | 1.41% | 3.96% | 0.42% |
| Q3 2025 | $992.1M | $794.1M | $735.3M | $99.4M | $10.2M | 1.44% | 3.91% | 0.12% |
| Q2 2025 | $971.2M | $776.1M | $733.4M | $95.7M | $6.7M | 1.45% | 3.90% | 0.13% |
| Q1 2025 | $916.2M | $717.2M | $733.0M | $94.1M | $3.4M | 1.53% | 3.87% | 0.14% |
| Q4 2024 | $878.1M | $689.9M | $716.5M | $91.4M | $12.7M | 1.49% | 4.23% | 0.20% |
| Q3 2024 | $865.4M | $675.7M | $710.8M | $86.6M | $9.1M | 1.43% | 4.25% | 0.13% |
Loan mix (Q2 2026): real estate $647.5M · commercial $140.1M · consumer $1.3M · securities $31.9M
| Ratio | Triad Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.26% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 59.0% | 21th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Triad Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Triad Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Triad Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Triad Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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