Total Assets
$189M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Adrian Bank — FDIC Bank Health Profile
Adrian, Missouri · Est. 1932. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #8251 Kansas City Region
A
Health grade
Excellent
Score: 80/100
Basel III capital ratios — Adrian Bank
Total Deposits
$168M
Customer-funded liabilities
Net Loans
$128M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
20.69%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$20M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.07%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
21.08%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
49.31%
Income & Expense Breakdown
$11M
Interest Income
$681K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Adrian Bank is FDIC-insured (Certificate #8251). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Adrian Bank
Adrian Bank is an FDIC-insured institution (Certificate #8251) headquartered in Adrian, Missouri, established in 1932. The bank currently holds $189M in total assets and $168M in customer deposits, with $128M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Adrian Bank reports a Tier 1 Capital Ratio of 20.69% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $20M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.07% and a Return on Equity of 21.08%, with an Efficiency Ratio of 49.31% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of A (80/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Adrian Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Missouri by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Adrian Bank (FDIC Cert #8251) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Kansas City | $72.8B | C | 1.01% |
| Commerce Bank Kansas City | $32.7B | B | 1.74% |
| The Central Trust Bank Jefferson City | $20.8B | B | 1.82% |
| Stifel Bank and Trust Saint Louis | $19.4B | B | 1.82% |
| Enterprise Bank & Trust Clayton | $17.3B | C | 1.29% |
| Stifel Bank Saint Louis | $11.7B | C | 1.49% |
| First Bank St. Louis | $6.7B | C | 0.51% |
| Great Southern Bank Reeds Spring | $5.6B | B | 1.31% |
Frequently Asked Questions
What is Adrian Bank's health grade? ▼
Adrian Bank receives a health grade of A (80/100) 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. It is headquartered in Adrian, Missouri.
Is my money safe at Adrian Bank? ▼
Yes. Adrian Bank is FDIC-insured (Certificate #8251). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Adrian Bank's Tier 1 Capital Ratio? ▼
Adrian Bank has a Tier 1 Capital Ratio of 20.69%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Adrian Bank? ▼
Adrian Bank has an Efficiency Ratio of 49.31%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.