Adams Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Adams Bank & Trust of Ogallala, NE against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 1.46% | -0.22% | 47th below |
| ROAE | 8.93% | 12.69% | -3.76% | 25th below |
| Net Interest Margin | 4.79% | 3.85% | +0.94% | 93rd top |
| Efficiency Ratio | 64.75% | 57.40% | +7.35% | 32nd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.83% | 1.88% | -0.05% | 59th above |
| Yield on Earning Assets | 6.43% | 5.72% | +0.71% | 88th top |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 69th above |
| Net Interest Spread | 4.19% | 3.18% | +1.01% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.00% | -0.53% | 60th above |
| NPA / Total Assets | 0.34% | 0.76% | -0.42% | 61st above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 55th above |
| ACL / Total Loans | 1.31% | 1.31% | +0.00% | 70th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 275.02% | 564.51% | -289.49% | 67th above |
| Texas Ratio | 2.71% | 7.39% | -4.68% | 69th above |
| Provision / NCO | 997.73% | 618.32% | +379.41% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.11% | 11.44% | +2.67% | 90th top |
| Equity / Assets | 14.12% | 11.33% | +2.79% | 90th top |
| TCE / Tangible Assets | 11.18% | 10.50% | +0.68% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.48% | 86.96% | -3.48% | 62nd above |
| Core Deposit Ratio | 94.81% | 85.55% | +9.26% | 84th top |
| Uninsured Deposit Ratio | 22.99% | 33.13% | -10.14% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.49% | 9.68% | -11.17% | 10th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.18% | 8.06% | -1.88% | 53rd above |
| Deposit Growth (Y/Y) | 1.23% | 7.88% | -6.65% | 25th below |
See Adams Bank & Trust's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Adams Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Adams Bank & Trust profile, how to read a UBPR, or how this data updates.