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Adrian Bank

Adrian, MO · Cert 8251 · Adrian Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Adrian Bank

Adrian, MO · Cert 8251 · Adrian Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$195.6MAssets
$133.6MLoans
$172.7MDeposits
$21.7MEquity
Loan mix
76%RE $78.6M15%C&I $15.9M9%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $125.4M27%Noninterest $47.3MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.71%Q2 ’255.80%Q2 ’26+11%+2%

Non-interest income vs. expense

2.29%Q2 ’242.31%Q2 ’252.21%Q2 ’26+2%-14%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #55 of 114 inst. · $0.2B of $99.1B

36.5% Bates
1.3% Cass

Executive Summary

  • Earnings: ROA of 2.07%, up 24 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.52% of loans (+28 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 12.56%, down 5 bps from a year ago.
  • Funding: loans stand at 77.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.07%+24 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+8 bps YoY

Efficiency Ratio (YTD, annualized)

44.60%-453 bps YoY

Tier 1 Leverage Ratio

12.56%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.63%1.63%1.81%2.07%+24 bps
Return on Equity19.59%17.02%16.63%17.31%19.39%-21 bps
Net Interest Margin4.34%4.26%4.26%4.15%4.42%+8 bps
Efficiency Ratio49.12%49.93%49.31%49.48%44.60%-453 bps
Non-Interest Burden1.94%1.95%1.92%1.69%1.67%-27 bps
Growth
Asset Growth (YoY)3.55%3.55%4.51%9.36%6.26%+272 bps
Loan Growth (YoY)10.00%8.85%7.94%7.59%6.83%-318 bps
Deposit Growth (YoY)6.51%8.78%7.32%9.08%4.99%-152 bps
Asset Quality
Nonperforming Loans / Loans0.25%2.67%2.72%2.85%0.52%+28 bps
Net Charge-Offs / Loans0.07%0.04%0.14%0.43%0.44%+37 bps
Allowance / Loans1.25%1.49%1.54%1.52%1.46%+21 bps
Allowance Coverage of NPLs5.1x0.6x0.6x0.5x2.8x-2.3x
Capital
Tier 1 Leverage Ratio12.61%12.53%12.28%12.55%12.56%-5 bps
Total Risk-Based Capital22.67%22.43%21.95%22.88%12.56%-1,011 bps
Equity / Assets9.73%10.42%10.61%10.28%11.09%+136 bps
Liquidity & Funding
Loans / Deposits76.00%76.04%77.38%74.39%77.33%+133 bps
Liquid Assets / Assets1.91%2.03%2.10%8.09%5.73%+382 bps
CRE / Total Capitaln/a121.63%118.71%112.89%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Adrian Bank

Adrian, MO · Cert 8251 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Adrian Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$195.6MAssets
$133.6MLoans
$172.7MDeposits
$21.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 85% of banks under $1B in assets in the Kansas City, MO-KS area (rank 6 of 40).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 36 of 39).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.05%

Rank 6 of 40

Net Interest Margin

4.42%

Rank 16 of 40

Efficiency Ratio

44.60%

Rank 7 of 40

Equity / Assets

11.09%

Rank 15 of 40

Non-interest income vs. expense

$1.1M$4.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 85% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 44.60%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.05%1.02%1.39%1.86%Beats 85%6 / 40
Return on Equity18.45%10.74%14.78%21.32%Beats 70%12 / 40
Net Interest Margin4.42%3.33%4.05%4.63%Beats 60%16 / 40
Efficiency Ratio44.60%51.70%58.10%69.29%Beats 85%7 / 40
Asset Quality
Nonperforming Loans / Loans0.52%0.05%0.20%1.11%Beats 33%27 / 39
Net Charge-Offs / Loans0.24%n/a0.00%0.05%Beats 10%36 / 39
Capital
Tier 1 Capital Ratio12.56%11.32%12.27%16.94%Beats 55%18 / 40
Total Risk-Based Capital Ratio12.56%11.32%13.09%17.63%Beats 40%24 / 40
Equity / Assets11.09%8.41%10.10%12.34%Beats 63%15 / 40
Liquidity & Funding
Loans / Deposits77.33%73.50%85.60%94.85%35th pctl26 / 40
Loans / Assets68.28%62.75%69.87%79.23%40th pctl24 / 40
Brokered Deposits / Depositsn/aNot reported for this institution