# ADRIAN STATE BANK
ADRIAN, MN · FDIC certificate 8822 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $63.7M | |
| Deposits | $57.2M | |
| Loans and leases | $42.0M | |
| Total equity | $6.2M | |
| Loans / deposits | 72.22% (p48 of band) | 73.21% |
| Liquid assets / assets | 33.27% (p51 of band) | |
| Uninsured deposits / deposits | 21.82% (p58 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.75% (p39 of band) | 11.56% |
| Unrealized securities loss / equity | -1.04% (p71 of band) | -6.10% |
| AOCI / equity | 2.70% (p41 of band) | |
| ROA (annualized) | 1.00% (p47 of band) | 1.04% |
| Net interest margin | 4.12% (p63 of band) | 3.83% |
| Efficiency ratio | 73.32% (p63 of band) | |
| Noncurrent loans | 0.00% (p23 of band) | 0.34% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 62100.00% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 9.13% (p37 of band) | |
| Auto loans | $469,000 (1.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling |  |
| 2012-03 | 0 |  | reserve under noncurrent, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | assets shrinking |  |
| 2017-03 | 1 | capital falling | assets shrinking |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | noncurrent p90 |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 3 | charge-offs p90 | capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | charge-offs p90 |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | uninsured deposits leaving |  |
| 2022-12 | 2 |  | uninsured deposits leaving |
| 2023-03 | 1 | deposits shrinking | reserve under noncurrent, noncurrent p90 |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 2 | uninsured deposits leaving |  |
| 2024-09 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2025-12 | 0 |  | assets shrinking, uninsured deposits leaving |

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

- 2026-02-09 [Adrian State Bank changes name to Adrian Bank following acquisition - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMimwFBVV95cUxPemNaanJrXzg2c0ZuY2FqRkdBVjdNSW1LRmFzaGpaT1h6cV9udmhHYk0ycGtiaktiYkZmZXRDY2FkSjJQc0RIZE1KZ1B4ZlZ4LTBRZnhpRjdqN1BOS0FfRjJRMjMwM1VQemJzT2FQZUpaWV8zY0lOOGlrbnpNQVpKb1B0NVlGQTZPa2twcW5hbTh5NUR0LWpyS1JoYw?oc=5) · The Globe | Worthington, Minnesota
- 2025-08-04 [Adrian State Bank, Premier Bank announce merger - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMihwFBVV95cUxNb1RpenVldHlBZ2Fya3NwV3ZKbU5BSFpUa2dSVGxQY01GX1ZyTlkyN1VVd3E4U0Juck45ejU3X1huci1vWjFyTHBuNEVobjR3N1RkY01kamlQWUNtMnZHZGRORGRaOWVySXdvVlRpUncxM2xSTU82OEM4UDBfWVkxM19kaWJ0aG8?oc=5) · The Globe | Worthington, Minnesota
- 2026-06-04 [Ruth Ann Lorang Obituary (2026) - Luverne, MN - Dingmann Funeral Home & Cremation Service – Luverne - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFB5NVEyck5LQ3pfZGZaTGJZc1JwVHpSM1R4bGt0U2x1d2tZdV9aOFpGck5vZ0xmdXQ5TzBEWW9FY2tBMjdiVGRpZVlWQjBvOXYwSTFQQVA3WURxa3d4T0t6aFY5ZGlEekkxTkZtZThZZTUzMk03RXRPV2hDUVgzZXc?oc=5) · legacy.com
- 2024-08-21 [Where to pick up your copy of the Pigskin Preview - Dakota News Now](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZjlXR3FOUUlmdmI3T1Z0VzRrc1kyenBLd2tlQVB3RFFJejZLNjk4RjhGdXlQczFJSmtKRVY3TWtTUDB5WU9LUFJYUFMyWDRIejZ1OHRpcENVemM2c25vZklTbkRDb1FyaUxoRjZPMjh0SnJhRFd0RFFqMjhjaFVBMW95dkhjYkRv?oc=5) · Dakota News Now
- 2026-06-19 [Anthony Tropiano Obituary (02/19/1933 - 05/30/2026) - Mio, MI - Jackson Citizen Patriot - MLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNaTdreFdKeE9GZUlVbXhOd1dfTUtiVzREQ3FQWE9KeHRETU4zamZVb2VETDlLcG5tWXk3T21wdDZRNG5ZQVo0WEJadDRGR3lFZWZnSnVRT1VpUHZSLXFYNGZjZ2RJU0Q3VmRORGdQNmN6d2VENC1DTHZnVHpITEJ5NlA2UW1uTndaQWhKQWVVXzFYZw?oc=5) · MLive.com
- 2021-08-19 [2021 Pigskin Preview magazine available now! - Dakota News Now](https://news.google.com/rss/articles/CBMijgFBVV95cUxOc0xldTBLbFRLTHpTZXVITmpPMjVNbFF1MUJfc1cxT0VFMWlqalFIcWlIV2k1R0xtTS1zeXE1SnpJdF80bmJSTVZsOTJlZHE2c2w5Wkl5dExYUXBkM3NMWHZCdlRZaTBaY2ZBZFhuSUc5cGpzQkFlT2xoTzFNTHN1cDV4M2FJb3pnQTI2MnlR0gGiAUFVX3lxTFBRZjl6VGdrQWVzVHZEMlA3dXprazVjMTJHWVQ4ekpKUW5faGhWcS02Tm9tWDMzUzZEYjU0TW1IZW42VE51NFJZSmZkLXd0cFVxY0hpUzhDLVg1N0hZSjByMHdaeXRsWkE0ZC1wb2pzbk1EWFViR2MyQ0VIR1FiR08xZmdLRmRwMHVjYk9tMVR0UXUyWGpXSUdTazMxVE1RVTlqQQ?oc=5) · Dakota News Now
- 2019-12-11 [New Adrian Branch Librarian excited to promote reading - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMirwFBVV95cUxQR3MwVE50LW9zZG40blVmTnFncGtsRF9hZWxXZzZOU0doRm51a3hVMU9EZlVFeEF5V0ExZ18wci1VVkRiSHh5RnVqOHZkUzdFZ1lmOThBU2UyVU9FSzM1WkFMc2pVclRXU1lhZEZuXzdMclhnekdGOGtFNEdFNnlMSkk0VVg0NkxzU2pOV1duUWlaVEpHc1REQWRqR2pDR3Y3ZXVfT2lLTTROM1hhMmNR?oc=5) · The Globe | Worthington, Minnesota
- 2020-01-01 [Looking Back: First baby of year is a family affair - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOHlDVy1BY3BnT0VvbEVOWEFiX08wSkJDWEhXaWI3OG1Ha3JoRGhtNTRUcVBLNE5hbUJ5bWk2dWxMdkVsbHRyc01TN0hUOV9MajNjb1g2Mm5scE1KUzg1dGlhbDJkbUZSdE93QnVIU1lob01neXNWNUlGQU1QOS1Uc3ZXOUx0d1VUR2FB?oc=5) · The Globe | Worthington, Minnesota

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8822 (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/54.json (key "8822", 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