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Adrian Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 8251

Adrian, MO

3 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits +5.0% year over year ($172.7M on the books).
  • Delinquency rate 0.53%.
  • Return on assets 2.63%.
  • Efficiency ratio 44.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.20% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Adrian Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 19.1% in tier
  • + Efficiency Ratio 19.88% below tier average
  • + Net Interest Margin 0.83% above tier average
  • + Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 38.8% in tier
  • - Credit Quality Pressure: Bottom 43.6% in tier
Get updates when Adrian Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $195.6M
+6.3% YoY -0.6% QoQ
-$191.0M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $131.6M
+6.6% YoY +2.3% QoQ
-$126.7M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $172.7M
+5.0% YoY -1.6% QoQ
-$154.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 2.63%
+13.6% YoY +14.4% QoQ
+1.31% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 3.5% in tier
Net Interest Margin ? 4.81%
+3.1% YoY +8.6% QoQ
+0.83% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 11.7% in tier
Efficiency Ratio ? 44.60%
-9.2% YoY -9.9% QoQ
-19.88% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 8.4% in tier
Delinquency Rate ? 0.53%
+112.6% YoY -81.7% QoQ
-0.39% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 76.20%
+1.5% YoY +4.0% QoQ
-1.75% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 27.40%
+4.2% YoY +4.3% QoQ
+5.37% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.40%
+136.8% YoY -80.3% QoQ
-0.27% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 12.56%
-41.4% YoY -41.9% QoQ
-3.35% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.28%
+51.5% YoY +54.7% QoQ
-0.29% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 27.4%
+1.1pp YoY
+1.1pp QoQ
 +5.3pp 22.1% 20.9% 22.2% 74%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 12.1%
-0.2pp YoY
-0.2pp QoQ
 +0.6pp 11.6% 12.3% 12.5% 64%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 13.9%
0.0pp YoY
+0.2pp QoQ
 -18.7pp 32.6% 31.9% 31.3% 17%
Consumer 6.7%
-0.8pp YoY
-0.3pp QoQ
 +2.6pp 4.1% 4.1% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 12.6%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 12.2% 11.6% 12.6% 71%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 34
+3 (+9.7%) YoY
+3 (+9.7%) QoQ
 -25 58 162 482 33%
Assets per Employee ($) $5.8M
-3.1% YoY
-9.4% QoQ
 -$1.8M $7.5M $8.0M $8.8M 28%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 32%
Nonaccrual 0.5%
+0.2pp YoY
-2.3pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 53%
Allowance Coverage 2.80x
-44.9% YoY
+426.4% QoQ
 -21.36x 24.15x 10.47x 20.23x 57%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
0.0pp QoQ
 +0.3pp 0.1% 0.3% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 24.7%
-0.2pp YoY
+2.7pp QoQ
 +12.5pp 12.2% 14.3% 11.6% 96%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 36%
Net Income ($, YTD) $2.5M
+21.2% YoY
— QoQ
 -$6K $2.6M $11.3M $40.4M 63%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#127 of 661 • Top 19.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#364 of 936 • Bottom 38.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#549 of 1256 • Bottom 43.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.53%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

94
Return on Assets
profitability
Value: 2.63%
Peer Median: 1.32%
#94 of 2643 Top 3.5% in $100M-$1B
222
Efficiency Ratio
profitability
Value: 44.60%
Peer Median: 64.48%
#222 of 2643 Top 8.4% in $100M-$1B
309
Net Interest Margin
profitability
Value: 4.81%
Peer Median: 3.99%
#309 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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