Adrian Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 176.92 percentage points higher than in Q1 2026, at 229.26%. On return on assets, Adrian Bank ranks 9th highest among the 191 banks headquartered in Missouri, at 2.85% (Q2 2026). Adrian Bank's return on assets of 2.85% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.59 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.56% |
| Equity capital to assets | 11.09% |
| Tangible equity to tangible assets | 11.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 3.28% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 229.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.85% |
| Return on equity | 27.50% |
| Net interest margin | 5.01% |
| Efficiency ratio | 39.45% |
| Yield on earning assets | 6.45% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.33% |
| Core deposits to total deposits | 94.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.29% |
| Securities to assets | 22.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.20% | 21.20% | 22.45% | 11.62% | 1.84% |
| Q4 2023 | 20.55% | 20.55% | 21.80% | 11.49% | 1.57% |
| Q1 2024 | 20.82% | 20.82% | 22.08% | 11.73% | 1.97% |
| Q2 2024 | 20.60% | 20.60% | 21.85% | 11.89% | 1.95% |
| Q3 2024 | 20.61% | 20.61% | 21.86% | 12.09% | 1.64% |
| Q4 2024 | 20.29% | 20.29% | 21.54% | 11.98% | 2.06% |
| Q1 2025 | 20.81% | 20.81% | 22.06% | 12.21% | 1.96% |
| Q2 2025 | 21.42% | 21.42% | 22.67% | 12.61% | 2.55% |
| Q3 2025 | 21.17% | 21.17% | 22.43% | 12.53% | 1.56% |
| Q4 2025 | 20.69% | 20.69% | 21.95% | 12.28% | 1.97% |
| Q1 2026 | 21.62% | 21.62% | 22.88% | 12.55% | 2.24% |
| Q2 2026 | — | — | — | 12.56% | 2.85% |
Adrian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Adrian Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)