Adams Bank & Trust

315 North Spruce Street
Ogallala, NE 69153

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18489
Date Established 1962
Assets $0.73 billion
Loans $0.66 billion
Deposits $0.60 billion
Capital $0.08 billion

Adams Bank & Trust is an FDIC insured institution located in Ogallala, NE. It was founded in 1962 and has approximately $0.73 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 Farm Loans, Commercial Real Estate, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.15
Multifamily
Mortgages
4.21
Credit Card Loans 0.00
Consumer Auto Loans 1.12
Small Business Loans 10.07
Construction and Development Loans 4.69
Commercial Real Estate 21.03
Commercial and Industrial Loans 11.71
Farm Loans 24.70

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
1.00% $10,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.15% $1,500 $4,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
FIXIRA0K
0.90% $500 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.90% $1 $9,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $100 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $1,499 Learn MoreShow Less
Int Ckg 2.5K
0.10% $1,500 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
SuperSmart e-Checking 2.00% $0 $7.00 Learn MoreShow Less

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

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

Branches

Adams Bank & Trust 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:
Ashburn,Virginia


Adams Bank & Trust Locations

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 BestCashCow.com 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
8.21% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Adams Bank & Trust had $6,948,000 in non-current loans and $400,000 in owned real estate. To cover these potential losses it had $78,904,000 in equity and $10,628,000 in loans loss reserves. That gives it a Texas Ratio of 8.21%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Adams Bank & Trust U.S. Bank Average
9.96% 8.58

Adams Bank & Trust has a Return on Equity of 9.96% versus the BestCashCow average of 8.58. 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.

Capitalization
Adams Bank & Trust U.S. Bank Average
10.74% 12.11

Adams Bank & Trust has a Capitalization of 10.74% versus the BestCashCow average of 12.11. 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 June 30, 2017, Adams Bank & Trust had assets of $734,937,000, loans of $656,323,000, and deposits of $600,172,000. 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.

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?

Yes

Where are Adams Bank & Trust locations?

See branch locations nearby.

Is Adams Bank & Trust open on Saturdays?

Is Adams Bank & Trust open on Sundays?

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?

Products

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?

Will Adams Bank & Trust cash money orders?

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?

Does Adams Bank & Trust have quick pay?

Does Adams Bank & Trust accept rolled coins?

Will Adams Bank & Trust accept loose change?

Where is Adams Bank & Trust headquarters?

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