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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tulsa, OK · FDIC certificate #24677
TRIAD BANK NATIONAL ASSN is an FDIC-insured institution based in Tulsa, OK (FDIC certificate #24677). In its Q3 2026 Call Report it reported total assets of $233M, total deposits of $201M and net loans of $172M. Its primary federal regulator is OCC.
Plain-language readout
TRIAD BANK NATIONAL ASSN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $233M in Q3 2026 and were lowest at $215M in Q1 2026.
Total deposits were highest at $201M in Q3 2026 and lowest at $184M in Q1 2026.
Over the whole period total assets rose 8.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $233M | $201M | $172M | 2.35% | 18.20% | 5.21% |
| Q2 2026 | $229M | $198M | $173M | 2.31% | 17.60% | 5.21% |
| Q1 2026 | $215M | $184M | $169M | 2.22% | 16.27% | 5.12% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.5M | $8.1M | -$580K | -7.2% |
| Federal funds sold | $39.8M | $29.6M | +$10.3M | +34.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $173.4M | $168.9M | +$4.5M | +2.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.4M | $4.5M | -$98K | -2.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.4M | $3.7M | -$281K | -7.7% |
| Total assets | $228.6M | $214.8M | +$13.8M | +6.4% |
| Liabilities | ||||
| Total deposits | $198.0M | $184.0M | +$14.0M | +7.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.2M | $2.2M | -$3K | -0.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $503K | $426K | +$77K | +18.1% |
| Total liabilities | $200.8M | $186.7M | +$14.1M | +7.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $4.2M | $4.2M | $0K | 0.0% |
| Retained earnings | $22.6M | $22.9M | -$328K | -1.4% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $27.8M | $28.1M | -$328K | -1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $10.5M | $11.6M | -$1.1M | -9.5% |
| Adjusted nonperforming assets | $1.6M | $2.1M | -$555K | -26.0% |
| Tangible equity plus allowance | $30.1M | $30.4M | -$327K | -1.1% |
| Texas ratio (gross) | 34.80% | 38.03% | -3.23 pts | See points |
| Texas ratio (adjusted) | 5.26% | 7.03% | -1.77 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.26% | 7.03% | -1.77 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.66% | 13.64% | -0.99 pts | See points |
| Construction and land loans to total capital | 36.99% | 36.29% | +0.70 pts | See points |
| Commercial real estate to total capital | 131.79% | 125.17% | +6.62 pts | See points |
| Dividend payout, year to date | 114.20% | 101.92% | +12.28 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $177.1M | $161.5M | +$15.6M | +9.7% |
| Non-core funding | $23.1M | $24.7M | -$1.6M | -6.4% |
| Loans to core deposits | 99.18% | 105.99% | -6.82 pts | See points |
| Loans to deposits | 88.71% | 93.03% | -4.33 pts | See points |
| Brokered deposits share of deposits | 9.22% | 10.62% | -1.40 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 10.78% | 9.48% | +1.30 pts | See points |
| Volatile liabilities | $23.1M | $24.7M | -$1.6M | -6.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.1M | +$1.3M | +115.5% |
| Earnings before provision, single quarter | $1.3M | $1.1M | +$177K | +15.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.77% | 6.54% | +0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 3.16% | 2.77% | +0.39 pts | See points |
| Total interest income to average assets | 5.98% | 5.83% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.14% | +0.00 pts | See points |
| Cost of savings and money market deposits | 3.37% | 3.34% | +0.03 pts | See points |
| Cost of time deposits | 2.42% | 2.17% | +0.25 pts | See points |
| Total interest expense to average assets | 0.89% | 0.96% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $233M | $201M | $172M | 2.35% | 18.20% | 5.21% |
| 2026-06-30 | $229M | $198M | $173M | 2.31% | 17.60% | 5.21% |
| 2026-03-31 | $215M | $184M | $169M | 2.22% | 16.27% | 5.12% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $195.8M | 0.14% | 108 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.