ADRIAN BANK

ADRIAN, MO | Small | Est. Oct. 18, 1932, midnight | FDIC #8251 | RSSD #94858 | FED
Latest Report: 2025-12-31

ADRIAN BANK is asn small FDIC-insured commercial bank headquartered in ADRIAN, MO, established in Oct. 18, 1932, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $168M. Profitability stands at 2.03% ROA and 19.28% ROE, with a net interest margin of 4.95%. The bank's CET1 capital ratio is 20.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.59% and a Texas Ratio of 15.28%. FDIC Certificate #8251.

Assets

$189M

Deposits

$168M

Loans

$130M

Equity

$20M

Profitability

Return on Assets (ROA) 2.03%
Return on Equity (ROE) 19.28%
Net Interest Margin (NIM) 4.95%
Yield on Assets 6.53%
Cost of Funds 1.63%

Asset Quality

NPL Ratio 2.59%
Net Charge-Off Ratio 0.14%
Texas Ratio 15.28%
NPA Ratio 1.78%
ACL / Loans 1.54%

Capital & Liquidity

CET1 Ratio 20.69%
Tier 1 Capital 20.69%
Total Capital Ratio 21.95%
Leverage Ratio 12.28%
Loan-to-Deposit 77.38%

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