ADAMS STATE BANK

ADAMS, NE | Micro | Est. Jan. 18, 1918, midnight | FDIC #9812 | RSSD #332756 | FDIC
Latest Report: 2025-12-31

ADAMS STATE BANK is amn micro FDIC-insured commercial bank headquartered in ADAMS, NE, established in Jan. 18, 1918, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $51M. Profitability stands at 1.36% ROA and 8.96% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 15.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9812.

Assets

$70M

Deposits

$51M

Loans

$51M

Equity

$11M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 8.96%
Net Interest Margin (NIM) 4.00%
Yield on Assets 6.01%
Cost of Funds 2.86%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.60%

Capital & Liquidity

CET1 Ratio 15.54%
Tier 1 Capital 15.54%
Total Capital Ratio 16.31%
Leverage Ratio 15.73%
Loan-to-Deposit 101.20%

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