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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 87 |
| Q4 2024 | 81 |
| Q1 2025 | 86 |
| Q2 2025 | 88 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 63 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.89% |
| Q3 2024 | 12.09% |
| Q4 2024 | 11.98% |
| Q1 2025 | 12.21% |
| Q2 2025 | 12.61% |
| Q3 2025 | 12.53% |
| Q4 2025 | 12.28% |
| Q1 2026 | 12.55% |
| Q2 2026 | 12.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.25% |
| Q3 2025 | 2.67% |
| Q4 2025 | 2.72% |
| Q1 2026 | 2.85% |
| Q2 2026 | 0.52% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.04% |
| Q3 2024 | 1.91% |
| Q4 2024 | 1.97% |
| Q1 2025 | 2.03% |
| Q2 2025 | 2.32% |
| Q3 2025 | 2.08% |
| Q4 2025 | 2.07% |
| Q1 2026 | 2.30% |
| Q2 2026 | 2.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $195.6M | 12.56% | 0.52% | 2.63% | 76.2% |
| Q1 2026 | 63 | $196.7M | 12.55% | 2.85% | 2.30% | 73.3% |
| Q4 2025 | 63 | $188.6M | 12.28% | 2.72% | 2.07% | 76.2% |
| Q3 2025 | 64 | $187.5M | 12.53% | 2.67% | 2.08% | 74.9% |
| Q2 2025 | 88 | $184.1M | 12.61% | 0.25% | 2.32% | 75.1% |
| Q1 2025 | 86 | $179.9M | 12.21% | 0.28% | 2.03% | 74.5% |
| Q4 2024 | 81 | $180.4M | 11.98% | 0.65% | 1.97% | 76.0% |
| Q3 2024 | 87 | $181.1M | 12.09% | 0.09% | 1.91% | 75.1% |
| Q2 2024 | 88 | $177.8M | 11.89% | 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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Progressive Ozark BankBank Salem, MO | 77 out of 100, Strong | $190.9M | 9.8% | 0.03% | vs |
| Bank 21Bank Carrollton, MO | 79 out of 100, Strong | $202.1M | 11.5% | 0.05% | vs |
| Citizens BankBank Butler, MO | 70 out of 100, Strong | $188.1M | 7.7% | 0.20% | vs |
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| The Citizens-Farmers Bank of Cole CampBank Cole Camp, MO | 85 out of 100, Very strong | $207.0M | 14.8% | 1.35% | vs |
| State Bank of Southwest MissouriBank Springfield, MO | 64 out of 100, Moderate | $183.8M | 7.5% | 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%).
3 locations
Branches
Adrian Bank lists 3 offices in 3 cities. Most locations:
- Adrian, MO (1)
- Archie, MO (1)
- Butler, MO (1)
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
- Website
- www.adrianbank.com
- 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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Montrose Savings BankBank Montrose, MO | 97 out of 100, Very strong | $63.2M | 14.5% | 0.13% | vs |
| St. Clair County State BankBank Osceola, MO | 87 out of 100, Very strong | $231.8M | 13.5% | 0.24% | vs |
| The First National Bank of LouisburgBank Louisburg, KS | 81 out of 100, Strong | $201.3M | 10.9% | 0.00% | vs |
| Community Bank of RaymoreBank Raymore, MO | 79 out of 100, Strong | $346.9M | 9.7% | 0.05% | vs |
| North American Savings Bank, F.S.B.Bank Grandview, MO | 76 out of 100, Strong | $3.2B | 14.2% | 0.90% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |