Triad Bank National Assn
Tulsa, Oklahoma · FDIC Cert #24677
This is the FDIC profile for Triad Bank National Assn, an FDIC-insured bank (Certificate #24677) with $216M in total assets and $189M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Tulsa, Oklahoma, the bank maintains a Tier 1 capital ratio of 11.32% (Well-Capitalized) and a nonperforming loan ratio of 7.09%. BankHealthData assigns a composite Health Grade of D (35/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Triad Bank National Assn (FDIC cert 24677) is a community bank — $216M in total assets, $189M in deposits, serving the Tulsa, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.32% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality shows stress: non-performing loan ratio of 7.09% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is thin: 3.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.49% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Triad Bank National Assn carries a composite BankHealth grade of D (35/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Triad Bank National Assn
- Total Assets
- $216M
- Total Deposits
- $189M
- Tier 1 Capital Ratio
- 11.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 7.09%
- Liquidity Ratio
- 3.56%
- Return on Assets
- 2.49%
- Headquarters
- Tulsa, Oklahoma
- FDIC Certificate
- #24677
- Health Grade
- D (35/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Triad Bank National Assn files quarterly Call Reports with the FDIC under Certificate #24677. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Triad Bank National Assn holds a Tier 1 capital ratio of 11.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Triad Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Triad Bank National Assn shows some financial weakness with a Health Score of 35/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Triad Bank National Assn Compares
Triad Bank National Assn’s Health Score of 35 is 42 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 11.32% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 7.09% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.49% is in line with or above the national ROA benchmark of ~1.1%. Among 1536 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Triad Bank National Assn is 45 points below the portfolio average of 80.
Frequently Asked Questions
Triad Bank National Assn has a Bank Health Score of D (35/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 11.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Triad Bank National Assn's Tier 1 capital ratio of 11.32% and nonperforming loan ratio of 7.09% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Triad Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #24677). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Triad Bank National Assn holds $216M in total assets and $189M in total deposits. It is headquartered in Tulsa, Oklahoma (FDIC Certificate #24677).
Triad Bank National Assn's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #24677 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Triad Bank National Assn has a Tier 1 capital ratio of 11.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 7.09%, and the return on assets is 2.49%.
Yes. Triad Bank National Assn is FDIC-insured (Certificate #24677). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Triad Bank National Assn shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.