Adrian Bank


130 East Main Street
Adrian, MO 64720
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.75% 0.75% →
2-Year CD 1.00% 0.80% →
5-Year CD 1.51% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Adrian Bank is an FDIC insured institution located in Adrian, MO. It was founded in 1932 and has approximately $0.18 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 8251
Date Established 1932
Assets $ 175.22 million
Loans $ 89.93 million
Deposits $ 154.96 million
Capital $ 19.65 million

For a more detailed analysis of Adrian Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.15% $10,000 $14,999 Learn More
36 Mo CD
1.15% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Adrian Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.906% 2.875%
0.38 points
$992 fees
$1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Adrian Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Adrian Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Adrian Bank Locations

Climate Initiatives

Adrian Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Adrian Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adrian Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Adrian Bank U.S. Bank Average
1.82% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Adrian Bank had $379,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,650,000 in equity and $1,228,000 in loans loss reserves. That gives it a Texas Ratio of 1.82%.

Return on Equity
Adrian Bank U.S. Bank Average
20.52% 11.29%

Adrian Bank has a Return on Equity of 20.52% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Adrian Bank U.S. Bank Average
11.21% 11.72%

Adrian Bank has a Capitalization of 11.21% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Adrian Bank Balance Sheet Analysis

As of June 30, 2021, Adrian Bank had assets of $175,221,000, loans of $89,933,000, and deposits of $154,958,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 15.30 million
Interest-bearing balances $ 10.40 million
Total securities $ 67.70 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 89.93 million
Loan loss allowance $ 1.23 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.60 million
     Total Assets $ 155.57 million
Total deposits $ 154.96 million
      Interest-bearing deposits $ 112.31 million
      Deposits held in domestic offices $ 154.96 million
      % insured (estimated) 86.17%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.61 million
      Total Liabilities $ 155.57 million
      Shareholders’ Equity $ 19.65 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 2.93 million
Total Interest Expense $ 0.34 million
Net interest income $ 2.59 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.89 million
Total non interest expense $ 1.51 million
Pre-tax Net Operating Income $ 1.97 million

Bank Loan Profile?

The top three loan types in Adrian Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Adrian Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.42
Credit Card Loans 0.00
Consumer Auto Loans 4.33
Small Business Loans 12.86
Construction and Development Loans 3.90
Commercial Real Estate 13.84
Commercial and Industrial Loans 13.79
Farm Loans 15.53

Frequently Asked Questions About Adrian Bank

Branches and Savings

Is Adrian Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8251.

Why does Adrian Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Adrian Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Adrian Bank a commercial bank?


Where are Adrian Bank locations?

See branch locations nearby.

Is Adrian Bank open on Saturdays?

Is Adrian Bank open on Sundays?

What time does Adrian Bank open?

What time does Adrian Bank close?

Are Adrian Bank ATMs Open 24/7?

Do Adrian Bank ATMs accept cash deposits?

Can Adrian Bank customers use other ATMs?

Do Adrian Bank branches have notaries?

Will Adrian Bank notarize my document?

What address for Adrian Bank should I put for incoming ACH transfers?

Will the Adrian Bank branch print checks?

Do Adrian Bank checks expire?

Does Adrian Bank require US citizenship to open account?

Can Adrian Bank close my account?

Does Adrian Bank Report to credit bureaus?

Does Adrian Bank Use Equifax?

What is Adrian Bank's ACH Routing Number?

What is Adrian Bank's SWIFT code?


Does Adrian Bank offer mortgages?

Compare mortgage rates here.

Does Adrian Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Adrian Bank offer personal loans?

Compare personal loan rates here.

Does Adrian Bank offer student loans?

Will Adrian Bank cash a check?

Will Adrian Bank redeem a savings bond?

Does Adrian Bank cash savings bonds?

Will Adrian Bank cash money orders?

Can Adrian Bank issue a money order?

Does Adrian Bank do currency exchange?

Background on The Bank

Who owns Adrian Bank?

How long has Adrian Bank been around?

Can Adrian Bank transfer to other banks?

Does Adrian Bank have quick pay?

Does Adrian Bank accept rolled coins?

Will Adrian Bank accept loose change?

Where is Adrian Bank headquarters?

Customer Reviews for Adrian Bank

There are currently no comments for Adrian Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →