BlastPoint's Banking Scorecard
Adrian Bank
Micro
Specialty: Agricultural
MO
FDIC cert 8251
Designations: ✓ Community bank
Adrian, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Adrian Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Efficiency Ratio 18.42% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.12% above tier
- - Nonperforming Asset Ratio 1.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.6M
+4.5% YoY
+0.6% QoQ
|
-$28.9M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$127.8M
+7.6% YoY
+2.4% QoQ
|
-$11.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$167.7M
+7.3% YoY
+0.7% QoQ
|
-$15.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
2.07%
+4.9% YoY
-0.5% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.69%
+9.6% YoY
+0.5% QoQ
|
+0.83% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
49.31%
-7.2% YoY
-1.3% QoQ
|
-18.42% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
2.76%
+317.8% YoY
+1.9% QoQ
|
+2.12% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
76.18%
+0.2% YoY
+1.7% QoQ
|
+1.66% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
26.65%
-4.0% YoY
-6.8% QoQ
|
+4.26% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.87%
+330.1% YoY
+3.7% QoQ
|
+1.42% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
20.69%
+2.0% YoY
-2.3% QoQ
|
+11.84% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.36%
-11.5% YoY
+33.5% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.31%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.76%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.87%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 49.31% · Tier avg: 67.73%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.69% · Tier avg: 8.85%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.65% · Tier avg: 22.39%
53
53th pctile
Total Loans
Current: $127.8M · Tier avg: $139.2M
51
51th pctile
Total Deposits
Current: $167.7M · Tier avg: $183.7M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.18% · Tier avg: 74.53%
48
48th pctile
Total Assets
Current: $188.6M · Tier avg: $217.5M
8
8th pctile
Delinquency Rate
Current: 2.76% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.87% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.87% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.76% · Tier avg: 0.64%
48
48th pctile
Total Assets
Current: $188.6M · Tier avg: $217.5M
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.18% · Tier avg: 74.53%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Total Deposits
Current: $167.7M · Tier avg: $183.7M
53
53th pctile
Total Loans
Current: $127.8M · Tier avg: $139.2M
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.65% · Tier avg: 22.39%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.69% · Tier avg: 8.85%
91
91th pctile
Efficiency Ratio
Current: 49.31% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%