How does “The three balances” work on the Bank page?

Balance in Xero is Xero's own figure for the account. Unreconciled Xero entries are already in the books but not yet matched to a statement line, so the Statement balance adds them back — an estimate that is exact only when nothing is missing from Xero. Statement lines that never reached Xero at all are uploaded on Adjustments, and the Adjusted balance brings them in too: Balance in Xero plus unreconciled entries plus uploaded lines. That is the figure that should equal the real bank statement, and the output bar prints it as a document with the arithmetic in formulas. Where: Bank (/accounts/bank-summary).