Adrian, MO · Cert 8251 · Adrian Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #55 of 114 inst. · $0.2B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.67% | 1.60% | 2.06% | 1.26% | 1.60% | 1.81% | 2.31% | +25 bps | |
| Return on Equity | 14.47% | 18.09% | 17.57% | 21.58% | 12.53% | 15.21% | 17.31% | 21.59% | +1 bps | |
| Net Interest Margin | 3.84% | 4.14% | 4.23% | 4.45% | 4.31% | 4.42% | 4.15% | 4.78% | +33 bps | |
| Efficiency Ratio | 55.99% | 50.52% | 53.72% | 44.77% | 51.53% | 47.52% | 49.48% | 40.08% | -469 bps | |
| Non-Interest Burden | 1.97% | 1.88% | 2.11% | 1.78% | 2.05% | 1.91% | 1.69% | 1.69% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 1.92% | 4.31% | 3.55% | 3.55% | 4.51% | 9.36% | 6.26% | +272 bps | |
| Loan Growth (YoY) | 11.85% | 11.13% | 12.06% | 10.00% | 8.85% | 7.94% | 7.59% | 6.83% | -318 bps | |
| Deposit Growth (YoY) | 0.09% | 1.71% | 4.35% | 6.51% | 8.78% | 7.32% | 9.08% | 4.99% | -152 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.65% | 0.28% | 0.25% | 2.67% | 2.72% | 2.85% | 0.52% | +28 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.11% | 0.00% | 0.13% | -0.01% | 0.43% | 0.43% | 0.46% | +32 bps | |
| Allowance / Loans | 1.21% | 1.22% | 1.27% | 1.25% | 1.49% | 1.54% | 1.52% | 1.46% | +21 bps | |
| Allowance Coverage of NPLs | 13.6x | 1.9x | 4.5x | 5.1x | 0.6x | 0.6x | 0.5x | 2.8x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.09% | 11.98% | 12.21% | 12.61% | 12.53% | 12.28% | 12.55% | 12.56% | -5 bps | |
| Total Risk-Based Capital | 21.86% | 21.54% | 22.06% | 22.67% | 22.43% | 21.95% | 22.88% | 12.56% | -1,011 bps | |
| Equity / Assets | 9.63% | 8.84% | 9.32% | 9.73% | 10.42% | 10.61% | 10.28% | 11.09% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.99% | 76.94% | 75.42% | 76.00% | 76.04% | 77.38% | 74.39% | 77.33% | +133 bps | |
| Liquid Assets / Assets | 0.38% | 0.10% | 0.11% | 1.91% | 2.03% | 2.10% | 8.09% | 5.73% | +382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 121.63% | 118.71% | 112.89% | n/a | n/a | |