Total Assets
$198M
Total balance-sheet footings
FDIC Cert #24677 · Tulsa, Oklahoma · Est. 1983
Triad Bank, National Association - FDIC Bank Health Profile
A community-scale look at Triad Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $198M
- Total assets
- B
- Health grade · Good
- 2.72%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Triad Bank, National Association earns a PlainBankData health grade of B (72/100), with well-capitalized at 11.84% Tier 1, profitable at 2.72% ROA, efficient (48% cost ratio).
- #3,025
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 11.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Triad Bank, National Association's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Triad Bank, National Association's composite health score
Tier 1 Capital Ratio (11.84%) 28/40
Return on Assets (ROA) (2.72%) 25/25
Texas Ratio (37.75%) 4/20
Efficiency Ratio (48.08%) 15/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$167M
Customer-funded liabilities
Net Loans
$164M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Triad Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Triad Bank, National Association's score of 72/100 falls in the highlighted band.
Triad Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Triad Bank, National Association's $198M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.84%
Texas Ratio
37.75%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.72%
Return on Equity (ROE)
21.60%
Efficiency Ratio
48.08%
What the numbers say about Triad Bank, National Association
Triad Bank, National Association is an FDIC-insured institution (Certificate #24677) headquartered in Tulsa, Oklahoma, established in 1983. It holds $198M in total assets - 3,025th of 4,313 FDIC-insured banks, $167M in customer deposits, and $164M in net loans. Capital-wise, the Tier 1 ratio sits at 11.84%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 37.75%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Triad Bank, National Association sits 100th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$200K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Triad Bank, National Association reports a Texas Ratio of 37.75% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
37.75% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Triad Bank, National Association (FDIC Cert #24677) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is Triad Bank, National Association's health grade?▼
Triad Bank, National Association receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Triad Bank, National Association?▼
Triad Bank, National Association holds $198M in total assets and $167M in deposits, ranking 3,025th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tulsa, Oklahoma.
Is my money safe at Triad Bank, National Association?▼
Yes, deposits at Triad Bank, National Association (Certificate #24677) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Triad Bank, National Association's Tier 1 Capital Ratio?▼
Triad Bank, National Association has a Tier 1 Capital Ratio of 11.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Triad Bank, National Association?▼
Triad Bank, National Association has a Texas Ratio of 37.75%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Triad Bank, National Association?▼
Triad Bank, National Association has an Efficiency Ratio of 48.08%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Triad Bank, National Association's profile as a depositor or analyst.
- Triad Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Triad Bank, National Association against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.