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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