Triad Business Bank
Total assets
$536.0M
▲ +0.9% YoY
Deposits
$477.1M
▲ +0.9% YoY
Loans
$407.5M
▲ +6.0% YoY
Offices
3
ROA (annualized)
0.18%
peers 1.28%
ROE (annualized)
1.90%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Triad Business Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.9% | -4.0 pts |
| Deposit growth (YoY) | +0.9% | +4.3% | -3.4 pts |
| Loan growth (YoY) | +6.0% | +5.3% | +0.7 pts |
| ROA | 0.18% | 1.28% | -1.1 pts |
| ROE | 1.9% | 12.4% | -10.5 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
Profile
- Established
- 2020
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 1501 Highwoods Blvd, Greensboro, NC, 27410
- County
- Guilford
- Metro area
- Greensboro-High Point, NC
- Offices
- 3
- FDIC cert #
- 59188
- RSSD ID
- 5398627
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $536.0M | $477.1M | $407.5M | $50.8M | $482K | 0.18% | 2.71% | 1.06% |
| Q1 2026 | $536.9M | $437.3M | $404.5M | $50.6M | $404K | 0.30% | 2.63% | 1.22% |
| Q4 2025 | $530.9M | $467.6M | $397.1M | $50.6M | $1.4M | 0.26% | 2.49% | 0.41% |
| Q3 2025 | $525.1M | $453.3M | $390.9M | $49.3M | $897K | 0.23% | 2.41% | 0.48% |
| Q2 2025 | $531.3M | $472.9M | $384.4M | $46.2M | $415K | 0.16% | 2.31% | 0.47% |
| Q1 2025 | $521.2M | $453.7M | $370.6M | $45.2M | $199K | 0.15% | 2.29% | 0.00% |
| Q4 2024 | $525.2M | $455.4M | $369.6M | $42.2M | $-4.3M | -0.82% | 2.21% | 0.00% |
| Q3 2024 | $535.2M | $477.3M | $367.1M | $45.0M | $-1.5M | -0.37% | 2.16% | 0.28% |
Loan mix (Q2 2026): real estate $300.6M · commercial $108.1M · consumer $2.2M · securities $100.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Triad Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.89% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 61.2% | 95th | |
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% |
Balance sheet
| Ratio | Triad Business 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% |
Capital
| Ratio | Triad Business 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% |
Credit quality
| Ratio | Triad Business 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% |
Franchise
| Ratio | Triad Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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