Adrian Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.31 percentage points lower than in Q1 2026, at 60.58%. Within Missouri, Adrian Bank is 126th of 191 on loan-to-deposit ratio, 77.33% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Adrian Bank sits 3.22 points lower, at 77.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $133.6M |
| Net loans and leases | $131.6M |
| Loans held for sale | $0 |
| Loans to total assets | 68.28% |
| Loan-to-deposit ratio | 77.33% |
| Net loans to equity capital | 6.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.96% |
| Consumer | 6.62% |
| Credit cards | 0.00% |
| Farm | 27.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.58% |
| Construction concentration (Tier 1 capital + allowance) | 27.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.36% |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $104.1M | $153.1M | 14.90% | 12.40% | 9.32% |
| Q4 2023 | $108.2M | $153.7M | 14.44% | 12.80% | 9.00% |
| Q1 2024 | $108.3M | $154.2M | 14.07% | 12.94% | 9.12% |
| Q2 2024 | $113.7M | $154.4M | 13.95% | 13.23% | 8.53% |
| Q3 2024 | $116.4M | $153.2M | 13.90% | 13.24% | 8.32% |
| Q4 2024 | $120.3M | $156.3M | 13.09% | 12.39% | 7.85% |
| Q1 2025 | $121.4M | $160.9M | 14.54% | 12.68% | 7.60% |
| Q2 2025 | $125.0M | $164.5M | 14.94% | 12.22% | 7.41% |
| Q3 2025 | $126.7M | $166.7M | 15.24% | 12.65% | 7.45% |
| Q4 2025 | $129.8M | $167.7M | 14.76% | 12.28% | 6.99% |
| Q1 2026 | $130.6M | $175.5M | 15.08% | 12.18% | 6.88% |
| Q2 2026 | $133.6M | $172.7M | 15.23% | 11.96% | 6.62% |
Adrian Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Adrian Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Adrian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8251) · FFIEC NIC profile (RSSD 94858)