Total Assets
$189M
Total balance-sheet footings
FDIC Cert #8251 · Adrian, Missouri · Est. 1932
Adrian Bank - FDIC Bank Health Profile
A community-scale look at Adrian Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $189M
- Total assets
- A
- Health grade · Excellent
- 2.07%
- Return on assets
- 20.7%
- Tier 1 capital
Data updated July 2026
The verdict
Adrian Bank earns a PlainBankData health grade of A (90/100), with well-capitalized at 20.69% Tier 1, profitable at 2.07% ROA, efficient (49% cost ratio).
- #3,095
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 20.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 92nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Adrian Bank's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Adrian Bank's composite health score
Tier 1 Capital Ratio (20.69%) 40/40
Return on Assets (ROA) (2.07%) 25/25
Texas Ratio (16.05%) 10/20
Efficiency Ratio (49.31%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$168M
Customer-funded liabilities
Net Loans
$128M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Adrian Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Adrian Bank's score of 90/100 falls in the highlighted band.
Adrian Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Adrian Bank's $189M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.69%
Texas Ratio
16.05%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.07%
Return on Equity (ROE)
21.08%
Efficiency Ratio
49.31%
What the numbers say about Adrian Bank
Adrian Bank is an FDIC-insured institution (Certificate #8251) headquartered in Adrian, Missouri, established in 1932. It holds $189M in total assets - 3,095th of 4,313 FDIC-insured banks, $168M in customer deposits, and $128M in net loans. Its capital position: a Tier 1 ratio of 20.69%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.05% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (90 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Adrian Bank sits 134th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$681K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Adrian Bank reports a Texas Ratio of 16.05% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Adrian Bank (FDIC Cert #8251) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Adrian Bank's health grade?▼
Adrian Bank receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Adrian Bank?▼
Adrian Bank holds $189M in total assets and $168M in deposits, ranking 3,095th of 4,313 FDIC-insured banks by asset size. It is headquartered in Adrian, Missouri.
Is my money safe at Adrian Bank?▼
Yes, deposits at Adrian Bank (Certificate #8251) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Adrian Bank's Tier 1 Capital Ratio?▼
Adrian Bank has a Tier 1 Capital Ratio of 20.69%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Adrian Bank?▼
Adrian Bank has a Texas Ratio of 16.05%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Adrian Bank?▼
Adrian Bank has an Efficiency Ratio of 49.31%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Adrian Bank's profile as a depositor or analyst.
- Adrian Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Adrian Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.