BlastPoint's Banking Scorecard
Triad Business Bank
Community
Specialty: Commercial
NC
FDIC cert 59188
Greensboro, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Triad Business Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 8% in Community
- - Return on Assets 0.90% below tier
- - Net Interest Margin 1.17% below tier
- - Efficiency Ratio 28.51% above tier
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$530.9M
+1.1% YoY
+1.1% QoQ
|
-$860.5M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$397.1M
+7.4% YoY
+1.6% QoQ
|
-$578.4M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$467.6M
+2.7% YoY
+3.2% QoQ
|
-$697.0M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.26%
+132.3% YoY
+16.3% QoQ
|
-0.90% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.49%
+12.8% YoY
+3.3% QoQ
|
-1.17% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
91.14%
-12.0% YoY
-2.1% QoQ
|
+28.51% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.54%
-15.6% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
84.92%
+4.6% YoY
-1.5% QoQ
|
+1.86% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
21.25%
+4.5% YoY
-2.4% QoQ
|
+0.20% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.41%
-15.2% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.55%
-0.1% YoY
+0.9% QoQ
|
+1.30% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.16%
-24.2% YoY
+32.7% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Flatlined Growth
risk
#21 of 245 · Bottom 8% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.26%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.26%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.49%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
91.14%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, 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
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.25% · Tier avg: 21.05%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.92% · Tier avg: 83.06%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.55% · Tier avg: 10.24%
14
14th pctile
Total Loans
Current: $397.1M · Tier avg: $975.5M
8
8th pctile
Total Deposits
Current: $467.6M · Tier avg: $1.2B
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
6
6th pctile
Net Interest Margin
Current: 2.49% · Tier avg: 3.66%
6
6th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.16%
5
5th pctile
Total Assets
Current: $530.9M · Tier avg: $1.4B
3
3th pctile
Efficiency Ratio
Current: 91.14% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 91.14% · Tier avg: 62.63%
5
5th pctile
Total Assets
Current: $530.9M · Tier avg: $1.4B
6
6th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.49% · Tier avg: 3.66%
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
8
8th pctile
Total Deposits
Current: $467.6M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $397.1M · Tier avg: $975.5M
42
42th pctile
Tier 1 Capital Ratio
Current: 11.55% · Tier avg: 10.24%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.92% · Tier avg: 83.06%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.25% · Tier avg: 21.05%