Triad Business Bank · OTC:TBBC
Triad Business Bank — Investor Presentation (June 2021)
18 slides from Triad Business Bank's investor presentation, June 2021
Slide 1: Investor Presentation Spring 2021
Investor Presentation Spring 2021 1
Slide 2: Offering disclaimer
The information contained herein is a summary, and it is not complete. It has been prepared for use only in connection with the exempt offering (the “Offering”) of common stock (the “Securities”) of Triad Business Bank (the “Bank”). The offering has not been registered under the Securities Act of 19
Slide 3: Caution Regarding Forward-Looking Statements
Caution Regarding Forward-Looking Statements This presentation contains projections, predictions, expectations, and other statements with respect to the Bank and its beliefs, future events, and/or results that are based on current expectations, estimates, and projections about, among other things, t
Slide 4: Summary of Exempt Offering of Common Stock
Summary of Exempt Offering of Common Stock Issuer: Triad Business Bank Transaction Size: Up to $15.0 million (minimum - $7.5 million; maximum $15.0 million) Type of Security: Common Stock – increase the outstanding common by up to 29% Price: $10.00 per share (112% of resulting tangible book value) U
Slide 5: Triad Business Bank – First Year
Triad Business Bank – First Year $265 Million Assets – $300 Million Loans Originated, $188 Million Deposits March 2020 April & May 2020 October 2020 Closed $51M Originated $108M March 2021 – Bank Listed Bank Added capital & opened in PPP loans to on OTC Pink – for business 350 businesses CRE Lenders
Slide 6: 12 Month Results
12 Month Results Copyright © 2020 Triad Business Bank. All Rights Reserved. Member FDIC. Equal Housing Lender. 6
Slide 7: Use of Capital Proceeds
Use of Capital Proceeds Support Capital Levels for Revised Five-Year Plan (Four Years Remaining) Original Plan - Fall 2019 Revised Plan (with $15m capital raise) •Sustained profitability beginning September 2021 •Sustained profitability beginning September 2021 •Total assets $591 million by December
Slide 8: Focused Efficient Business Model
Focused Efficient Business Model Focus on commercial banking Small number of large relationships - $1.3 million average loan size Three Leased Commercial Office Suites in Greensboro, Deposit average $332,000 per account Winston-Salem and High Point Innovative treasury and cash management systems Mob
Slide 9: Who We Are: Our Mission, Our Business Model
Who We Are Triad Business Bank abides by the simple belief that “Financial Success Begins with Integrity.” Our goal is to achieve long- term, enduring financial prosperity for the bank, its shareholders and, most importantly, the businesses and communities of the Triad. In pursuing that goal, we com
Slide 10: Opportunity from Consolidation
Opportunity from Consolidation • Nine mergers since 2014 have reduced local competition • Disrupted client/bank relationships • Small and mid-size businesses frustrated by system conversions and bankers moving • Lack of local decision-making Copyright © 2020 Triad Business Bank. All Rights Reserved.
Slide 11: Triad Deposit Market Shares
Triad Deposit Winston-Salem & Greensboro-High Point Combined MSAs Market Branches Deposits ($000s) share Market Shares Truist Financial Corp. (NC) Wells Fargo & Co. (CA) 49 39 7,406,148 6,339,397 26.0% 22.2% Pinnacle Financial Partners (TN) 19 2,701,399 9.5% Bank of America Corporation (NC) 20 2,530
Slide 12: Over Ten Thousand Small Businesses in the Triad: TBBC Target Customers
Business Survey in Forsyth and Guilford MSA 2021 – Charted by Annual Sales Over Ten Thousand Small Revenue Businesses in the Triad: TBBC Target Customers Triad Business Bank’s focus is on smaller businesses that no Source of data is the 2021 Triad Business Census (TBC), produced by Brod & Associates
Slide 13: Executive Team
Executive Team Ramsey K. Hamadi – CEO, CFO and Director CFO two public billion-dollar banks, NewBridge Bank and Pulaski Bank Shareholder returns of > 1000% and 650%, respectively Former Federal Reserve Bank Examiner Robin S. Hager – President, COO and Director Chief Administrative Officer for two pu
Slide 14: Board Leadership – Inside Ownership 20.6%
Board Leadership – Inside Ownership 20.6% Diverse, Established Leaders Living in the Triad Extensive CEO/Executive Experience Significant Bank Director Experience, Kevin Jessup, Kenan Wright, Dianne Blixt Stan Bradshaw Robert Clark Chair Vice Chair including two former Chairs from $billion banks Str
Slide 15: Commercial Sales Team
Commercial Sales Team Four TBBC sales team members came from the market’s largest competitor All TBBC Commercial bankers came from multi $billion banks Focus on Commercial Businesses and Private Banking for Business Owners Originated 460 PPP Loans totaling $139 million Core loan growth averaged $8 m
Slide 16: Client Service Management
Client Service Management Specialize in Treasury and Commercial Customer Relationships Partner with Commercial Loan Officers Over 100 Businesses have migrated Treasury and Cash Services to TBBC Systems Over $50 million in Noninterest Bearing Operating Accounts Experienced Bankers With Large Commerci
Slide 17: Talented Support Team
Talented Support Team Mergers made available talented support team Bank opened without delays Prompt execution of PPP Supported $326 million of loans originated in 12 months Listed on OTC Pink – financial expertise including SEC financial reporting experience Competitive HR & benefits Strong credit
Slide 18: Key Investment Considerations
Housing Lender. Copyright © 2020 Triad Business Bank. All Rights Reserved. Member FDIC. Equal • Strong Operating Trends • 4x growth in assets in 12 months • Rapidly declining operating loss • Successful PPP participation – helped save 12,000 Triad jobs • Treasury systems and team proven best in mark
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