ADAMS COUNTY BANK

KENESAW, NE | Small | Est. Jan. 1, 1878, midnight | FDIC #14311 | RSSD #9553 | FDIC
Latest Report: 2025-12-31

ADAMS COUNTY BANK is asn small FDIC-insured commercial bank headquartered in KENESAW, NE, established in Jan. 1, 1878, midnight. As of 2025-12-31, the bank reported total assets of $240M and total deposits of $149M. Profitability stands at 0.73% ROA and 7.24% ROE, with a net interest margin of 2.81%. The bank's CET1 capital ratio is 15.56%, 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 #14311.

Assets

$240M

Deposits

$149M

Loans

$158M

Equity

$24M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 7.24%
Net Interest Margin (NIM) 2.81%
Yield on Assets 5.38%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 15.56%
Tier 1 Capital 15.56%
Total Capital Ratio 16.54%
Leverage Ratio 11.62%
Loan-to-Deposit 106.31%

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