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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 24677 · OK B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2894/4307
  • PHOTO-FINISH State Bank of Southw… · MO
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-HEALTHY 37.7% Texas
  • ROA-STRONG 2.72% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: State Bank of Southwest Missouri, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Triad Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of St. Francisv… · LA ·…72/100Community Savings · OH · near72/100State Bank of Southw… · MO ·…72/100Triad Bank, National… · OK ·…72/100United Mississippi B… · MS ·…72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Triad Bank · July 2026

What Triad Bank's Call Report plate shows

Triad Bank, National Association (FDIC Cert #24677) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,894 of 4,307. Tier 1 capital prints at 11.84%, clearing the 10% well-capitalized line. The Texas Ratio is 37.75%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.72%. Balance-sheet scale is $198M, 3,025th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Southwest Missouri (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Triad Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Triad Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Triad Bank, National Association remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

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.

0/100100/100National avg77/10072/100
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 Assets

$198M

Total balance-sheet footings

Total Deposits

$167M

Customer-funded liabilities

Net Loans

$164M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.44% 11.84% 13.24%
Basel III capital ratios - Triad Bank, National Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 33rd percentile higher than 33% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Triad Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Triad Bank

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

What these ratios mean →

Earnings posture at Triad Bank

Return on Assets (ROA)
97th percentile nationally
2.72%
Return on Equity (ROE)
21.60%
Efficiency Ratio
48.08%

What these mean →

Income & expense at Triad Bank

$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.

FDIC Failed Bank List → View Triad Bank, National Association on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($198M here), outside Oklahoma so the neighborhood is not state containment.

Magnolia State Bank $198M · GA The Community Bank $198M · TX First National Bank in Taylorville $198M · IL United Republic Bank $197M · NE

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.

Triad Bank, National Association Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%