TellerScore

Adrian Bank is a state-chartered bank (fed member) headquartered in Adrian, Missouri, in business for about 94 years. At the end of Q2 2026 it reported $195.6M in total assets and $172.7M in deposits, with 3 offices.

Based on its Q2 2026 filing, Adrian Bank scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 20th. Its strongest component is earnings (100/100; 2.63%), and its lowest is capital cushion (76/100; 12.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.56%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings100/100
Return on assets (annualized): 2.63%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 76.2% · 17.0% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (88 → 85), mostly because the loan quality component weakened by 9 points.

TellerScore
637688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202487
Q4 202481
Q1 202586
Q2 202588
Q3 202564
Q4 202563
Q1 202663
Q2 202685
Tier 1 leverage ratio
5.00%8.81%12.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.89%
Q3 202412.09%
Q4 202411.98%
Q1 202512.21%
Q2 202512.61%
Q3 202512.53%
Q4 202512.28%
Q1 202612.55%
Q2 202612.56%
Noncurrent loans
0.02%1.44%2.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.09%
Q4 20240.65%
Q1 20250.28%
Q2 20250.25%
Q3 20252.67%
Q4 20252.72%
Q1 20262.85%
Q2 20260.52%
Return on assets
1.91%2.27%2.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.04%
Q3 20241.91%
Q4 20241.97%
Q1 20252.03%
Q2 20252.32%
Q3 20252.08%
Q4 20252.07%
Q1 20262.30%
Q2 20262.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$195.6M12.56%0.52%2.63%76.2%
Q1 202663$196.7M12.55%2.85%2.30%73.3%
Q4 202563$188.6M12.28%2.72%2.07%76.2%
Q3 202564$187.5M12.53%2.67%2.08%74.9%
Q2 202588$184.1M12.61%0.25%2.32%75.1%
Q1 202586$179.9M12.21%0.28%2.03%74.5%
Q4 202481$180.4M11.98%0.65%1.97%76.0%
Q3 202487$181.1M12.09%0.09%1.91%75.1%
Q2 202488$177.8M11.89%0.02%2.04%72.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.56%
71st
Total risk-based capital0.00%
24th
Problem loans0.52%
45th
Net charge-offs0.44%
6th
Return on assets2.63%
96th
Net interest margin4.81%
88th
Efficiency ratio44.6%
92nd
Loans to deposits76.2%
57th
Uninsured deposits17.0%
75th
Loan-loss reserves1.46%
76th
Texas ratio3.3%
46th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Progressive Ozark BankBank Salem, MO77 out of 100, Strong$190.9M9.8%0.03%vs
Bank 21Bank Carrollton, MO79 out of 100, Strong$202.1M11.5%0.05%vs
Citizens BankBank Butler, MO70 out of 100, Strong$188.1M7.7%0.20%vs
Citizens' Bank of CharlestonBank Charleston, MO86 out of 100, Very strong$185.1M20.5%0.83%vs
The Citizens-Farmers Bank of Cole CampBank Cole Camp, MO85 out of 100, Very strong$207.0M14.8%1.35%vs
State Bank of Southwest MissouriBank Springfield, MO64 out of 100, Moderate$183.8M7.5%0.00%vs

Deposit insurance

Is my money safe at Adrian Bank?

Yes. Adrian Bank is an FDIC-insured institution (FDIC certificate #8251). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.0% of deposits ($29.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Adrian Bank lists 3 offices in 3 cities. Most locations:

  • Adrian, MO (1)
  • Archie, MO (1)
  • Butler, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Adrian Bank reported 41 home-loan applications under HMDA (LEI 254900TUS3PQY1ER5639): 35 originated ($6,695,000 total), 0 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Adrian Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
8251
RSSD ID
94858
Primary regulator
FED
Holding company
Adrian Bancshares Inc
Established
October 18, 1932
Headquarters
130 E Main St, Adrian, MO 64720
Employees
34

Quick answers

Adrian Bank: common questions

Is Adrian Bank FDIC insured?

Yes. Adrian Bank is an FDIC-insured institution (FDIC certificate #8251). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Adrian Bank's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Adrian Bank ever failed?

There is no failure record for FDIC certificate #8251 in the FDIC failed bank list.

How many branches does Adrian Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Adrian

InstitutionScoreAssetsCapitalProblem loansCompare
Montrose Savings BankBank Montrose, MO97 out of 100, Very strong$63.2M14.5%0.13%vs
St. Clair County State BankBank Osceola, MO87 out of 100, Very strong$231.8M13.5%0.24%vs
The First National Bank of LouisburgBank Louisburg, KS81 out of 100, Strong$201.3M10.9%0.00%vs
Community Bank of RaymoreBank Raymore, MO79 out of 100, Strong$346.9M9.7%0.05%vs
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs