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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 75thStandingRank8-Qtr TrendPeer 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