Adams Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Adams Bank & Trust is an FDIC-insured commercial bank headquartered in Ogallala, NE, established in 1962 (FDIC certificate 18489), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.29B, down 1.5% from Q2 2025, the 11th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 18489
- Headquarters
- Ogallala, NE
- Established
- 1962
- Total assets, Q2 2026
- $1.29B
- Assets vs Q2 2025
- -1.5%
- Tier 1 leverage ratio, Q2 2026
- 14.11%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 104113958
- Holding company
- ADBANC, INC.
- Asset rank in state
- 11th of 138 in Nebraska
Problem loans are rising at Adams Bank & Trust. The Ogallala, Nebraska bank had $1.3 billion in assets at June 30, 2026, down 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.50% of loans from 0.14% a year earlier. It keeps 4.79 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 14.11% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $4.1 million, 179% above the same quarter a year earlier. Over the same year, loans grew 6.2% and deposits grew 1.2%. Profitability lags: it returns 8.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Adams Bank & Trust reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 2.37%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Adams Bank & Trust is the 11th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.8% to $1.29B, loans rose 2.1% and deposits fell 3.1%. Non-owner-occupied commercial real estate loans made up 26.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 18.0%. The FDIC Summary of Deposits lists 23 offices for it, in 19 cities across 4 states; its Ogallala office books 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Adams Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 315 N Spruce St, Ogallala, NE 69153
- County
- Keith
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 26, 1962
- Former names
- Keith County Bank & Trust Company (1973-1986)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 241
- Domestic deposits
- $1.10B
- Allowance for credit losses
- $12.0M
- Net charge-offs (YTD)
- $88K
- Average total assets
- $1.31B
- Average total loans
- $898.6M
- Average interest-bearing deposits
- $1.05B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 26, 1962
- FDIC Cert
- 18489
- Fed RSSD
- 463650
- SEC CIK
- 2186 → filed by ADAGE, LLC
- Website
- http://www.abtbank.com →
- Parent Holding Company
- ADBANC, INC. (RSSD 1055623)
- Ultimate Parent
- ADAGE, LLC (RSSD 5006472)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Adams Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Adams Bank & Trust's total assets ran between $1.29B (Q2 2026) and $1.43B (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.29B total assets against $1.31B; $1.11B total liabilities against $1.14B.
$904.8M net loans and leases against $852.4M; $1.10B total deposits against $1.08B.
$223.1M securities against $306.8M; $125.2M cash and balances due against $105.7M.
$20.5M total interest income against $21.7M; $5.2M total interest expense against $6.2M.
$15.2M net interest income against $15.5M.
$1.8M total noninterest income against $1.6M; $11.1M total noninterest expense against $10.4M.
$783K provision for credit losses against $4.5M.
$4.1M net income against $1.5M.
1.24% return on assets against 0.44%; 4.79% net interest margin against 4.81%.
14.11% tier 1 leverage ratio against 12.85%.
Inside the full Adams Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAdams Bank & Trust rankings
Its closest position to the top of a national ranking is 843 of 4,196, for total assets; its furthest is 757 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.15% (Q4 2024) to 2.01% (Q4 2025) and its net interest margin ran from 4.17% (Q3 2024) to 4.89% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 1.24% | 0.55% | 2.37% | 4.79% |
| Q1 2026 | 13.62% | 1.39% | 0.32% | 1.15% | 4.69% |
| Q4 2025 | 13.79% | 2.01% | 0.26% | 0.95% | 4.81% |
| Q3 2025 | 13.45% | 1.31% | 0.13% | 0.62% | 4.89% |
| Q2 2025 | 12.85% | 0.44% | 0.14% | 0.68% | 4.81% |
| Q1 2025 | 12.36% | 1.10% | 0.20% | 0.93% | 4.43% |
| Q4 2024 | 11.60% | -0.15% | 0.27% | 1.32% | 4.41% |
| Q3 2024 | 11.97% | 0.91% | 0.36% | 1.71% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 23 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Adams Bank & Trust (main office) | Ogallala , NE | 69153 | $264.6M |
| Imperial Branch | Imperial , NE | 69033 | $125.2M |
| Garden of the Gods Branch | Colorado Springs , CO | 80907 | $117.2M |
| Berthoud Branch | Berthoud , CO | 80513 | $96.0M |
| 7800 South College Avenue Branch | Fort Collins , CO | 80525 | $73.2M |
| North Platte Branch | North Platte , NE | 69101 | $61.9M |
| Grant Branch | Grant , NE | 69140 | $53.9M |
| Sutherland Branch | Sutherland , NE | 69165 | $41.7M |
| Longmont Branch | Longmont , CO | 80501 | $39.2M |
| Firestone Branch | Firestone , CO | 80504 | $38.5M |
| Chappell Branch | Chappell , NE | 69129 | $34.0M |
| Indianola Branch | Indianola , NE | 69034 | $28.1M |
| Windsor Branch | Windsor , CO | 80550 | $27.9M |
| Greeley Branch | Greeley , CO | 80634 | $26.0M |
| Colby Branch | Colby , KS | 67701 | $24.4M |
| Brule Branch | Brule , NE | 69127 | $22.6M |
| Madrid Branch | Madrid , NE | 69150 | $13.0M |
| Lodgepole Branch | Lodgepole , NE | 69149 | $9.7M |
| Prescott Valley Branch | Dewey , AZ | 86327 | $1.0M |
| Interquest Branch | Colorado Springs , CO | 80921 | $0 |
| Remington Branch | Fort Collins , CO | 80524 | $0 |
| Cheyenne Mountain Branch | Colorado Springs , CO | 80906 | $0 |
| North Platte South Branch | North Platte , NE | 69101 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 17, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 2004 | Structure Change | Acquired Vista Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 1999 | Structure Change | Acquired Bank of Indianola Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 19, 1997 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 20, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 20, 1986 | Structure Change | Acquired Chase County Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- May 15, 2019, Federal Reserve: Civil Money Penalty, $69,000: Adams Bank and Trust, Ogallala, Nebraska
- Period: Most recent institution action May 15, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in NE, rank 28 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 437 applications, 312 loans originated, $81.2M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $3.7M approved, $611K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Adams Bank & Trust
What are Adams Bank & Trust's total assets?
As of the Q2 2026 filing, Adams Bank & Trust reported total assets of $1.29 billion in its FFIEC call report.
Where is Adams Bank & Trust headquartered?
It is headquartered in Ogallala, NE, United States.
When was Adams Bank & Trust founded?
It was established in 1962, per the FDIC institution directory.
Is Adams Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adams Bank & Trust?
Adams Bank & Trust's primary federal regulator is the Federal Reserve.
How many branches does Adams Bank & Trust operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adams Bank & Trust's Texas Ratio?
Its Texas Ratio is 2.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Adams Bank & Trust previously called?
The charter now named Adams Bank & Trust has also operated as Keith County Bank & Trust Company (1973-1986), per FDIC structure-change records.
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