Adams Bank & Trust

315 North Spruce Street
Ogallala, NE 69153


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18489
Date Established 1962
Assets $0.78 billion
Loans $0.69 billion
Deposits $0.66 billion
Capital $0.09 billion

Adams Bank & Trust is an FDIC insured institution located in Ogallala, NE. It was founded in 1962 and has approximately $0.78 billion in assets. Customers can open an account at one of its 19 branches.

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.

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 in Nebraska, Adams Bank & Trust has a significantly higher percent of Commercial Real Estate 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 17.41
Credit Card Loans 0.00
Consumer Auto Loans 1.01
Small Business Loans 10.65
Construction and Development Loans 6.43
Commercial Real Estate 23.67
Commercial and Industrial Loans 11.03
Farm Loans 21.59

Deposit Rates - May 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $100 $24,999 Learn MoreShow Less
Money Market
0.65% $25,000 $49,999 Learn MoreShow Less
6 Mo CD
1.80% $10,000 - Learn MoreShow Less
12 Mo CD
2.05% $10,000 - Learn MoreShow Less
18 Mo CD
2.05% $10,000 - Learn MoreShow Less
24 Mo CD
2.15% $10,000 - Learn MoreShow Less
30 Mo CD
2.25% $10,000 - Learn MoreShow Less
36 Mo CD
2.30% $10,000 - Learn MoreShow Less
48 Mo CD
2.35% $10,000 - Learn MoreShow Less
60 Mo CD
2.50% $10,000 - Learn MoreShow Less

Fixed IRA
1.80% $500 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.80% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $1,499 Learn MoreShow Less
Int Ckg
0.50% $1,500 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
SuperSmart e-Checking 2.25% $0 $7.00 Learn MoreShow Less

Loan Rates - May 22, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.003% 4.000% 0.00 $100 $1,194 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$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
1.77% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, Adams Bank & Trust had $1,706,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $86,004,000 in equity and $10,539,000 in loans loss reserves. That gives it a Texas Ratio of 1.77%.

Return on Equity
Adams Bank & Trust U.S. Bank Average
11.86% 8.80%

Adams Bank & Trust has a Return on Equity of 11.86% versus the BestCashCow average of 8.80%. 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
11.02% 12.29%

Adams Bank & Trust has a Capitalization of 11.02% versus the BestCashCow average of 12.29. 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, 2018, Adams Bank & Trust had assets of $780,385,000, loans of $694,464,000, and deposits of $664,581,000. 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, 2018
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.69 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.69 billion
Total deposits $0.66 billion
      Interest-bearing deposits $0.53 billion
      Deposits held in domestic offices $0.66 billion
      % insured (estimated) 82.49%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.69 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.04 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.01 billion

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?

See branch locations nearby.

Is Adams Bank & Trust open on Saturdays?

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What time does Adams Bank & Trust open?

What time does Adams Bank & Trust close?

Are Adams Bank & Trust ATMs Open 24/7?

Do Adams Bank & Trust ATMs accept cash deposits?

Can Adams Bank & Trust customers use other ATMs?

Do Adams Bank & Trust branches have notaries?

Will Adams Bank & Trust notarize my document?

What address for Adams Bank & Trust should I put for incoming ACH transfers?

Will the Adams Bank & Trust branch print checks?

Do Adams Bank & Trust checks expire?

Does Adams Bank & Trust require US citizenship to open account?

Can Adams Bank & Trust close my account?

Does Adams Bank & Trust Report to credit bureaus?

Does Adams Bank & Trust Use Equifax?

What is Adams Bank & Trust's ACH Routing Number?

What is Adams Bank & Trust's SWIFT code?


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?

Will Adams Bank & Trust cash a check?

Will Adams Bank & Trust redeem a savings bond?

Does Adams Bank & Trust cash savings bonds?

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Can Adams Bank & Trust issue a money order?

Does Adams Bank & Trust do currency exchange?

Background on The Bank

Who owns Adams Bank & Trust?

How long has Adams Bank & Trust been around?

Can Adams Bank & Trust transfer to other banks?

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Does Adams Bank & Trust accept rolled coins?

Will Adams Bank & Trust accept loose change?

Where is Adams Bank & Trust headquarters?

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