BlastPoint's Banking Scorecard
Triad Bank, National Association
Micro
Specialty: Commercial
OK
FDIC cert 24677
Designations: ✓ Community bank
Tulsa, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Triad Bank, National Association has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.63% above tier
- + Net Interest Margin 1.55% above tier
- + Efficiency Ratio 19.65% below tier
- + Non-Interest-Bearing Deposit Share 39.09% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.38% above tier
- - Nonperforming Asset Ratio 5.37% above tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.7M
-0.4% YoY
-17.9% QoQ
|
-$19.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$163.8M
+27.4% YoY
+5.3% QoQ
|
+$24.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$166.9M
-1.5% YoY
-20.6% QoQ
|
-$16.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.72%
-1.0% YoY
+6.9% QoQ
|
+1.63% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.40%
-3.2% YoY
+4.2% QoQ
|
+1.55% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
48.08%
-0.6% YoY
-2.5% QoQ
|
-19.65% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
7.02%
-4.8% YoY
+41.2% QoQ
|
+6.38% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
98.12%
+29.3% YoY
+32.7% QoQ
|
+23.59% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
61.48%
-5.1% YoY
-8.0% QoQ
|
+39.09% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
5.82%
+21.8% YoY
+81.2% QoQ
|
+5.37% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
+52.1% YoY
+88.8% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.72%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.40%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.08%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
61.48%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.02%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.82%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 61.48% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.72% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.40% · Tier avg: 3.85%
92
92th pctile
Efficiency Ratio
Current: 48.08% · Tier avg: 67.73%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.12% · Tier avg: 74.53%
65
65th pctile
Total Loans
Current: $163.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $197.7M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 7.02% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.82% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.82% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.02% · Tier avg: 0.64%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $197.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Total Loans
Current: $163.8M · Tier avg: $139.2M
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.12% · Tier avg: 74.53%
92
92th pctile
Efficiency Ratio
Current: 48.08% · Tier avg: 67.73%
95
95th pctile
Net Interest Margin
Current: 5.40% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.72% · Tier avg: 1.08%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 61.48% · Tier avg: 22.39%