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
Unfavorable gap of $3.4M · efficiency ratio beats 85% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.05% | 1.02% | 1.39% | 1.86% | Beats 85% | 6 / 40 | |
| Return on Equity | 18.45% | 10.74% | 14.78% | 21.32% | Beats 70% | 12 / 40 | |
| Net Interest Margin | 4.42% | 3.33% | 4.05% | 4.63% | Beats 60% | 16 / 40 | |
| Efficiency Ratio | 44.60% | 51.70% | 58.10% | 69.29% | Beats 85% | 7 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.05% | 0.20% | 1.11% | Beats 33% | 27 / 39 | |
| Net Charge-Offs / Loans | 0.24% | n/a | 0.00% | 0.05% | Beats 10% | 36 / 39 | |
| Capital |
| Tier 1 Capital Ratio | 12.56% | 11.32% | 12.27% | 16.94% | Beats 55% | 18 / 40 | |
| Total Risk-Based Capital Ratio | 12.56% | 11.32% | 13.09% | 17.63% | Beats 40% | 24 / 40 | |
| Equity / Assets | 11.09% | 8.41% | 10.10% | 12.34% | Beats 63% | 15 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 77.33% | 73.50% | 85.60% | 94.85% | 35th pctl | 26 / 40 | |
| Loans / Assets | 68.28% | 62.75% | 69.87% | 79.23% | 40th pctl | 24 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |