Adams Bank & Trust


315 North Spruce Street
Ogallala, NE 69153
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD 0.65% 1.15% →
2-Year CD 0.65% 1.26% →
5-Year CD 0.95% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Adams Bank & Trust is an FDIC insured institution located in Ogallala, NE. It was founded in 1962 and has approximately $0.84 billion in assets. Customers can open an account at one of its 19 branches.

FDIC Insured Yes
FDIC Certificate # 18489
Date Established 1962
Assets $ 839.15 million
Loans $ 729.40 million
Deposits $ 715.18 million
Capital $ 92.71 million

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

Deposit Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,500 $4,999 Learn More
Money Market
0.10% $10,000 $24,999 Learn More
Money Market
0.15% $25,000 $49,999 Learn More
6 Mo CD
0.50% $10,000 - Learn More
12 Mo CD
0.65% $10,000 - Learn More
18 Mo CD
0.65% $10,000 - Learn More
24 Mo CD
0.65% $10,000 - Learn More
30 Mo CD
0.85% $10,000 - Learn More
36 Mo CD
0.85% $10,000 - Learn More
48 Mo CD
0.85% $10,000 - Learn More
60 Mo CD
0.95% $10,000 - Learn More

Fixed IRA
0.60% $500 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $24,999 Learn MoreShow Less

Loan Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Adams Bank & Trust

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Adams Bank & Trust
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Financial Details

Adams Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adams Bank & Trust. 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
Adams Bank & Trust U.S. Bank Average
0.97% 6.51%

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 December 31, 2019, Adams Bank & Trust had $1,011,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $92,708,000 in equity and $11,512,000 in loans loss reserves. That gives it a Texas Ratio of 0.97%.

Return on Equity
Adams Bank & Trust U.S. Bank Average
12.01% 9.41%

Adams Bank & Trust has a Return on Equity of 12.01% versus the BestCashCow average of 9.41%. 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.

Adams Bank & Trust U.S. Bank Average
11.05% 12.82%

Adams Bank & Trust has a Capitalization of 11.05% versus the BestCashCow average of 12.82. 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.

Adams Bank & Trust Balance Sheet Analysis

As of December 31, 2019, Adams Bank & Trust had assets of $839,145,000, loans of $729,399,000, and deposits of $715,181,000. 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

December 31, 2019
Cash & Balances due from depository institutions $ 58.29 million
Interest-bearing balances $ 44.46 million
Total securities $ 17.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 729.40 million
Loan loss allowance $ 11.51 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 $ 20.66 million
     Total Assets $ 746.44 million
Total deposits $ 715.18 million
      Interest-bearing deposits $ 564.96 million
      Deposits held in domestic offices $ 715.18 million
      % insured (estimated) 80.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 27.00 million
Subordinated debt N.A.
All other liabilities $ 4.26 million
      Total Liabilities $ 746.44 million
      Shareholders’ Equity $ 92.71 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 43.47 million
Total Interest Expense $ 7.39 million
Net interest income $ 36.08 million
Provision for loan and lease losses $ 1.11 million
Total non interest income $ 6.36 million
Total non interest expense $ 28.20 million
Pre-tax Net Operating Income $ 13.14 million

Bank Loan Profile?

The top three loan types in Adams Bank & Trust’s loan portfolio are Commercial Real Estate, Farm Loans, and 1-4 Family Residential Loans.

Compared to other banks, Adams Bank & Trust’s loan portfolio does not show any specific loan specialty.

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 17.88
Credit Card Loans 0.00
Consumer Auto Loans 0.90
Small Business Loans 10.14
Construction and Development Loans 7.41
Commercial Real Estate 23.63
Commercial and Industrial Loans 11.51
Farm Loans 20.56

Frequently Asked Questions About Adams Bank & Trust

Branches and Savings

Is Adams Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #18489.

Why does Adams Bank & Trust pay such low interest on savings accounts?

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

Why are Adams Bank & Trust CD rates not competitive?

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

Is Adams Bank & Trust a commercial bank?


Where are Adams Bank & Trust locations?

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Does Adams Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Adams Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Adams Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Adams Bank & Trust offer student loans?

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Background on The Bank

Who owns Adams Bank & Trust?

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