Three-banded Lady Beetle

Coccinella trifasciata perplexa

From Gordon's key to the species, the following features are seen on these beetles:
1) elytra suture reddish, not black or dark brown (excludes C. novemnotata and C. californica)
2) "head pale except for black band across base (male); or dark and with broad pale band between eyes, band rarely interrupted medially (female)". (excludes those with "head dark with 2 well separated spots on front" - including C. transversoguttata, C. septempunctata, and C. undecimpunctata)

Subspecies subversa has few or no transverse bands and is restricted tot eh western coast of the US to British Columbia, Canada.
Coccinella trifasciata perplexa On Common Milkweed (Asclepias syriaca) in an old field. Coccinella trifasciata,Coccinella trifasciata perplexa,Geotagged,Summer,United States,beetle,ladybug

Appearance

Elytra can be yellow or red and is crossed by three dark bands. Red forms will have a yellowish margin around the bands.
Coccinella trifasciata perplexa  Coccinella trifasciata,Coccinella trifasciata perplexa,Geotagged,Summer,United States,beetle,ladybug

Naming

Coccinella trifasciata perplexa (Mulsant)
Coccinella perplexa Mulsant, 1850

Distribution

Most of North America north of 40 deg. latitude, except Pacific coast, northern Alaska, northern Canada.

Status

Considered by New York State to be a "Species of Greatest Conservation Need" (SGCN).

References:

Some text fragments are auto parsed from Wikipedia.

https://bugguide.net/node/view/414905
https://bugguide.net/node/view/98692
https://www.discoverlife.org/mp/20p?res=800&see=I_JEL1560;&start=http://www.discoverlife.org/users/l/Losey,_John/JEL.html
Taxonomy
KingdomAnimalia
DivisionArthropoda
ClassInsecta
OrderColeoptera
FamilyCoccinellidae
GenusCoccinella
SpeciesCoccinella trifasciata perplexa