ADAMS BANK & TRUST

OGALLALA, NE | Large | Est. Feb. 26, 1962, midnight | FDIC #18489 | RSSD #463650 | FED
Latest Report: 2025-12-31

ADAMS BANK & TRUST is aln large FDIC-insured commercial bank headquartered in OGALLALA, NE, established in Feb. 26, 1962, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 2.01% ROA and 15.02% ROE, with a net interest margin of 5.07%. The bank's CET1 capital ratio is 13.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.22%. FDIC Certificate #18489.

Assets

$1.3B

Deposits

$1.1B

Loans

$895M

Equity

$180M

Profitability

Return on Assets (ROA) 2.01%
Return on Equity (ROE) 15.02%
Net Interest Margin (NIM) 5.07%
Yield on Assets 6.90%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.11%
Texas Ratio 1.22%
NPA Ratio 0.17%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 13.40%
Tier 1 Capital 13.40%
Total Capital Ratio 14.06%
Leverage Ratio 13.79%
Loan-to-Deposit 78.54%

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