BlastPoint's Banking Scorecard

Adrian Bank

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

Adrian, MO

3 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Adrian Bank has 4 strengths but faces 3 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 29.7% in tier
+ Revenue Diversifier: Top 32.3% in tier
+ Net Interest Margin 0.50% above tier average
+ Efficiency Ratio 15.80% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 38.0% in tier
- Delinquency Rate 2.01% above tier average
- Nonperforming Asset Ratio 1.38% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$196.7M +9.4% YoY +4.3% QoQ	-$189.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$128.6M +7.3% YoY +0.6% QoQ	-$127.1M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$175.5M +9.1% YoY +4.6% QoQ	-$152.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	2.30% +13.5% YoY +11.4% QoQ	+1.03%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 7.2% in tier
Net Interest Margin ?	4.43% -3.2% YoY -5.4% QoQ	+0.50%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	49.48% -7.9% YoY +0.4% QoQ	-15.80%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	2.90% +906.5% YoY +4.8% QoQ	+2.01%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 6.4% in tier
Loan-to-Deposit Ratio ?	73.26% -1.6% YoY -3.8% QoQ	-3.37%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	26.27% -3.8% YoY -1.4% QoQ	+4.25%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	2.01% +950.6% YoY +7.5% QoQ	+1.38%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 6.7% in tier
Tier 1 Capital Ratio ?	21.62% +3.9% YoY +4.5% QoQ	+5.79%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 10.6% in tier
Non-Interest Income / Assets ?	0.18% +101.5% YoY -49.8% QoQ	-0.10%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Profitability Leader

growth

#199 of 666 • Top 29.7% in tier

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

Why this signature

Return on Assets: 2.30%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#216 of 666 • Top 32.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.30%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#282 of 739 • Bottom 38.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.62%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 73.26%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

192

Return on Assets

profitability

Value: 2.30%

Peer Median: 1.27%

#192 of 2664 Top 7.2% in $100M-$1B

283

Tier 1 Capital Ratio

capital

Value: 21.62%

Peer Median: 15.83%

#283 of 2664 Top 10.6% in $100M-$1B

402

Efficiency Ratio

profitability

Value: 49.48%

Peer Median: 65.29%

#402 of 2664 Top 15.1% in $100M-$1B

476

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#476 of 2664 Top 17.8% in $100M-$1B

549

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.93%

#549 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (2 metrics)

2484

Delinquency Rate

credit_quality

Value: 2.90%

Peer Median: 0.89%

#2484 of 2654 Bottom 6.4% in $100M-$1B

2486

Nonperforming Asset Ratio

credit_quality

Value: 2.01%

Peer Median: 0.64%

#2486 of 2664 Bottom 6.7% in $100M-$1B