Adrian Bank
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Data as of · sourced from FFIEC call reports. How we update
Adrian Bank is an FDIC-insured commercial bank headquartered in Adrian, MO, established in 1932 (FDIC certificate 8251), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $195.6M, up 6.3% from Q2 2025, the 126th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8251
- Headquarters
- Adrian, MO
- Established
- 1932
- Total assets, Q2 2026
- $195.6M
- Assets vs Q2 2025
- +6.3%
- Tier 1 leverage ratio, Q2 2026
- 12.56%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101217857
- Latest call report
- Q2 2026, FFIEC 051 · Adrian Bank call report
- Holding company
- ADRIAN BANCSHARES, INC.
- Asset rank in state
- 126th of 191 in Missouri
Adrian Bank is one of the more profitable banks of its size. Based in Adrian, Missouri, it had $196 million in assets at June 30, 2026, up 6.3% from a year earlier. It earns about $2.85 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 21% from a year earlier, to $1.4 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.52% of loans, against 0.25% a year earlier. One more trend to watch: the commercial and industrial book ($16 million) is worsening: 4.28% of it is past due or on nonaccrual, up from 3.49% a year earlier.
As of June 30, 2026, Adrian Bank reported a return on assets of 2.85%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 3.28%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Adrian Bank is the 126th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $195.6M, loans rose 2.3% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 27.5% of total loans, followed by agricultural production loans at 19.1%. The FDIC Summary of Deposits lists 3 offices for it, in Adrian, MO, Butler, MO and Archie, MO; its Adrian office books 61% of its branch deposits. On its Q2 2026 call report, Adrian Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 130 E Main St, Adrian, MO 64720
- County
- Bates
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 18, 1932
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $172.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $292K
- Average total assets
- $202.6M
- Average total loans
- $132.6M
- Average interest-bearing deposits
- $127.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8251
- Fed RSSD
- 94858
- Website
- www.adrianbank.com →
- Parent Holding Company
- ADRIAN BANCSHARES, INC. (RSSD 1399505)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Adrian Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Adrian Bank's total assets ran between $171.2M (Q3 2023) and $196.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$195.6M total assets against $184.1M; $173.9M total liabilities against $166.2M.
$131.6M net loans and leases against $123.5M; $172.7M total deposits against $164.5M.
$44.2M securities against $49.4M; $15.1M cash and balances due against $7.1M.
$3.1M total interest income against $2.7M; $705K total interest expense against $649K.
$2.4M net interest income against $2.1M.
$192K total noninterest income against $179K; $1.0M total noninterest expense against $1.0M.
$124K provision for credit losses against $57K.
$1.4M net income against $1.2M.
2.85% return on assets against 2.55%; 5.01% net interest margin against 4.69%.
12.56% tier 1 leverage ratio against 12.61%.
Inside the full Adrian Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAdrian Bank rankings
Its closest position to the top of a national ranking is 94 of 3,611, for ROA; its furthest is 2,990 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.56% (Q3 2025) to 2.85% (Q2 2026) and its net interest margin ran from 4.10% (Q3 2024) to 5.01% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.56% | 2.85% | 0.52% | 3.28% | 5.01% |
| Q1 2026 | 12.55% | 2.24% | 2.85% | 17.85% | 4.39% |
| Q4 2025 | 12.28% | 1.97% | 2.72% | 16.05% | 4.71% |
| Q3 2025 | 12.53% | 1.56% | 2.67% | 15.80% | 4.55% |
| Q2 2025 | 12.61% | 2.55% | 0.25% | 1.58% | 4.69% |
| Q1 2025 | 12.21% | 1.96% | 0.28% | 1.88% | 4.47% |
| Q4 2024 | 11.98% | 2.06% | 0.65% | 4.51% | 4.38% |
| Q3 2024 | 12.09% | 1.64% | 0.09% | 0.55% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Adrian Bank (main office) | Adrian , MO | 64720 | $104.9M |
| Butler Branch | Butler , MO | 64730 | $41.7M |
| 302 S.W. Outer Road Branch | Archie , MO | 64725 | $26.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 153 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 35 loans originated, $6.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Adrian Bank
What are Adrian Bank's total assets?
As of the Q2 2026 filing, Adrian Bank reported total assets of $195.6 million in its FFIEC call report.
Where is Adrian Bank headquartered?
It is headquartered in Adrian, MO, United States.
When was Adrian Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Adrian Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8251). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adrian Bank?
Adrian Bank's primary federal regulator is the Federal Reserve.
How many branches does Adrian Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adrian Bank's Texas Ratio?
Its Texas Ratio is 3.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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