Adrian Bank: how it compares with its peers
Against 93 MO banks with half to twice its assets, Adrian Bank's strongest measure in Q2 2026 is return on assets (2.63% vs. a 1.30% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.2M).
| Measure | Adrian Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.63% | 1.30% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.81% | 3.98% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.60% | 60.56% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.20% | 79.44% | Context |
What it means for lending operations
Its efficiency ratio of 44.60% is better than the 60.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Progressive Ozark Bank Salem, MO · $191M
- Bank 21 Carrollton, MO · $202M
- Citizens Bank Butler, MO · $188M
- Citizens' Bank of Charleston Charleston, MO · $185M
- The Citizens-Farmers Bank of Cole Camp Cole Camp, MO · $207M
- State Bank of Southwest Missouri Springfield, MO · $184M
Questions about Adrian Bank
How big is Adrian Bank?
Adrian Bank, established in 1932, is headquartered in Adrian, MO. It reported $196M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Adrian Bank's return on assets?
2.63% annualized in Q2 2026, against a 1.30% median for 93 MO banks with half to twice its assets, ahead of 96% of them.
What is Adrian Bank's efficiency ratio?
44.60% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 60.56%, and lower is better.
Is Adrian Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 5.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.