# ADRIAN BANK
ADRIAN, MO · FDIC certificate 8251 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $195.6M | |
| Deposits | $172.7M | |
| Loans and leases | $133.6M | |
| Total equity | $21.7M | |
| Loans / deposits | 76.20% (p55 of band) | 73.59% |
| Liquid assets / assets | 30.35% (p45 of band) | |
| Uninsured deposits / deposits | 17.00% (p39 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.56% (p59 of band) | 11.76% |
| Unrealized securities loss / equity | -17.35% (p27 of band) | -6.57% |
| AOCI / equity | 0.01% (p85 of band) | |
| ROA (annualized) | 2.63% (p94 of band) | 1.17% |
| Net interest margin | 4.81% (p86 of band) | 3.93% |
| Efficiency ratio | 44.60% (p7 of band) | |
| Noncurrent loans | 0.52% (p56 of band) | 0.36% |
| Net charge-offs (annualized) | 0.30% (p95 of band) | |
| Reserve coverage of noncurrent | 279.51% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 34.96% (p68 of band) | |
| Auto loans | $5.6M (4.20% of loans; DQ 3.85%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | noncurrent p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 1 |  | charge-offs p90 |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 3 | charge-offs p90 | capital falling |
| 2026-06 | 1 |  | noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-05-13 [Jack Alan Wagner, Age: 73 - porterfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5EZUY0LUVpR2lxYnMtZ2dDVHZrMk1INFhQZGFLVXpLM2VKbzM4NzhIWGdidTIwVk1PWVNrQ3NCZG1JdkdoamM3YW1fNWk0Snh5TklJYTBEMUhKdFZ4a2VKVUZ2NGdDc01GTUtVRjEtVTI?oc=5) · porterfuneralhome.com
- 2018-09-18 [FBI searching for suspect involved in Archie, Missouri bank robbery - KMBC](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdlBoZW5yQTBwM1R5dVNCZHJENll2ekV5VzNOTS1uam4teG00ZWg1WFNNSnhlbEpQOHZrRkd3VkFBMlZUcm5jXy1OSXBUMjRma0tJOFl4M1dSRHZWNjlPSThFODZaVkFxX085REJIXzFIdmpadG0xOGtkaE10dWRnUGhjcUZ0dVNMVTFVcWE3dzFRdE9rVmh6X19RZER5TWxDMFJYYTh2aw?oc=5) · KMBC
- 2026-07-22 [State audit claims Bates County Sheriff’s Office misused funds - FOX4KC.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMzZfMkwwbEc2cFA0QnotM3pPd3ZUMXBFa0thZ2dzN0FUYkdUdGR2bkNwSDRRTXJNMWpac3hjN096ZDF2MkxGS0tHV1Fpbmt5bXdJOXJYTGpuNFlKeGczNEhyblpWLW1fZ0stNDFHSW1FZnlfWG9Wdkg5cVc2SmducGh3WXhlZUxRcUV6QzRFY9IBlAFBVV95cUxOMWV6QUIwRDZOU2lsamEtdFdrWWt3akNLYmNpdEw3YkdTdlJ2WHMta1c5Z1FDSVVfbjhWUUIzaVc4enJYWUlOc2NfUzRDcS1sb1dzM2JKRFd6UkVaU3FkLWNiUWVlUFZzS0Z3bEpwTko3bzdieGV4Sy1SSWtHUkZwT2Znd2cwNGZRU3I4M1BxNWU4RjJZ?oc=5) · FOX4KC.com
- 2026-08-31 [Carolyn "Kay" Irvin Obituary (2026) - Adrian, MO - Atkinson Funeral Home and Cremation Services - Adrian - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNenlCLTRXNkhFd2U2dWVCMU1qbGw5SVUzNGdSTUR2RzJQM0dMenk2Q2QzRVVuV1VhNFRReWVCcEhEQmlMRnlPWThxUzdIOUtfS3pQV2xES0xlWlRnb3ktZjF6MWZBaDN0Y1NmY1FEUE4zNEYwN1VzVXlkaUVYdGo2enZ3?oc=5) · legacy.com
- 2025-12-19 [Two Men Facing Bates County Forgery Charges - KMZU.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNdzFvMExjV1BPQi16UzRMVHJnWlhraDdKZXFZSmd1V3NoSlNGNS16N0dGTENiQXVnNWdwV3FQTTl3REc4bHcyYnM0SHNCbVlmcXNjY2ZSVkhDQ0loYW5IdTdVT0JGUlhxelFhekpSQTVPVkNGMGlxZHpiblFMVEhIeUV0NFlSSHM4Z1ctazNlV0dSbUNtMXZGVEhhT3JEalk3MGcxc0ZvRzhKSE5mbzQ2NzB4TjlZQTdEc3Vj?oc=5) · KMZU.com
- 2026-02-17 [Mitch Grainger Obituary (2026) - Foley, AL - Schowengerdt Funeral Chapel Inc - Butler - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOOEVxdGZsY0hVLTBPcmJ6TFljeE9HTGxyd0g3WHdFYmxuOHh4NWZfNXFicEpHeldLajBuU3IwLW9XdG14akxDX240bnpPUkJyRUVyYlVTVUV4QWVmM0hEWWlMazdvVmdzbjVLOGcyOUpwMEcwbGtmbVF2eG9hOFFnTXM0cw?oc=5) · legacy.com
- 2026-08-06 [Vincent O'Flaherty Obituary (2026) - Kansas City, MO - Muehlebach Funeral Care - Kansas City - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbjdQanJONi05MUNXZnhtMC1HRE9ZVHJ4YURTU2hnLU90Wmg1RXRaRlFDWTRLY2tKS0VLQWVNRW51NV9vMmwwRDl2c1lRRUxfV1NZS2xuNVNwWUR1b1JXRUpaS2V3Nm1BRlVMWXBiZlk2bWJzQm9semE1Z2ZuNWkxZUxEYU1XcUlZ?oc=5) · legacy.com
- 2025-09-05 [Carolyn Kimminau Obituary (2025) - Butler, MO - Mullinax Funeral Home & Cremation Services Inc - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNc2pSLTBiT2pjTkdmY09XYjdjUTBkRlNUVXYyLUlpN2VScHJtZjVFX3BURVVCbldrcy1QV1dnMXNNbWdEOTZIZzB3cm5NM05JeTBuWlEyU0lQeGZneVZfVVF3d1hIRS1FaXVRVFRXdEczUmFfaUFQMkpxVzZPdzhjTFI2SlFDZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8251 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "8251", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide