Adams County Bank


401 N Smith Ave
Kenesaw, NE 68956
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Adams County Bank is an FDIC insured institution located in Kenesaw, NE. It was founded in 1878 and has approximately $0.23 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 14311
Date Established 1878
Assets $ 231.46 million
Loans $ 139.95 million
Deposits $ 137.11 million
Capital $ 18.58 million

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

Deposit Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Adams County Bank

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 2024

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6.427% 6.250%
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Mutual of Omaha Mortgage, Inc.
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6.956% 6.875%
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Rocket Mortgage
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7.451% 7.375%
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$2,400 fees
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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Adams County Bank
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Climate Policy and Initiatives

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

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Financial Details

Adams County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adams County 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
Adams County Bank U.S. Bank Average
0% 3.96%

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, 2024, Adams County Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,577,000 in equity and $1,126,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Adams County Bank U.S. Bank Average
18.54% 12.20%

Adams County Bank has a Return on Equity of 18.54% versus the BestCashCow average of 12.20%. 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 County Bank U.S. Bank Average
8.03% 10.76%

Adams County Bank has a Capitalization of 8.03% versus the BestCashCow average of 10.76. 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 County Bank Balance Sheet Analysis

As of December 31, 2023, Adams County Bank had assets of $231,458,000, loans of $139,951,000, and deposits of $137,112,000. 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, 2024
Cash & Balances due from depository institutions $ 8.33 million
Interest-bearing balances $ 4.50 million
Total securities $ 70.06 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 139.95 million
Loan loss allowance $ 1.13 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 $ 9.50 million
     Total Assets $ 212.88 million
Total deposits $ 137.11 million
      Interest-bearing deposits $ 107.37 million
      Deposits held in domestic offices $ 137.11 million
      % insured (estimated) 86.37%
Federal funds purchased and repurchase agreements $ 0.08 million
Trading liabilities N.A.
Other borrowed funds $ 67.48 million
Subordinated debt N.A.
All other liabilities $ 1.34 million
      Total Liabilities $ 212.88 million
      Shareholders’ Equity $ 18.58 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 10.02 million
Total Interest Expense $ 4.37 million
Net interest income $ 5.64 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.57 million
Total non interest expense $ 3.08 million
Pre-tax Net Operating Income $ 1.30 million

Bank Loan Profile?

The top three loan types in Adams County Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Adams County Bank’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 6.25
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 2.58
Construction and Development Loans 1.62
Commercial Real Estate 2.84
Commercial and Industrial Loans 8.22
Farm Loans 32.41

Customer Reviews for Adams County Bank

  • February 24, 2020

    CDs 60 Month Rates

    Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional

  • November 7, 2019

    CDs 12 Month Rates


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