Adams County Bank
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Data as of · sourced from FFIEC call reports. How we update
Adams County Bank is an FDIC-insured commercial bank headquartered in Kenesaw, NE, established in 1878 (FDIC certificate 14311), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $241.1M, up 1.6% from Q2 2025, the 72nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 16.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14311
- Headquarters
- Kenesaw, NE
- Established
- 1878
- Total assets, Q2 2026
- $241.1M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 16.81%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104907708
- Holding company
- FIRST KENESAW COMPANY
- Asset rank in state
- 72nd of 138 in Nebraska
Adams County Bank runs leaner than most banks of its size. It reported $241 million in assets at June 30, 2026, up 1.6% from a year earlier. It spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 10% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 15% from a year earlier, to $1.1 million. Over the same year, loans grew 7.3% and deposits shrank 0.5%. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Adams County Bank reported a CET1 capital ratio of 16.81%, a return on assets of 1.89%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
Adams County Bank ranks as the 72nd largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $241.1M, loans rose 3.7% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 41.2% of total loans, ahead of agricultural production loans at 32.3%. The FDIC Summary of Deposits lists 2 offices for it, in Kenesaw, NE and Juniata, NE; its Kenesaw office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Adams County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 N Smith Ave, Kenesaw, NE 68956
- County
- Adams
- Metro Area
- Hastings, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1878
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $154.6M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $241.0M
- Average total loans
- $151.6M
- Average interest-bearing deposits
- $126.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14311
- Fed RSSD
- 9553
- Website
- www.adamscountybank.net →
- Parent Holding Company
- FIRST KENESAW COMPANY (RSSD 1053870)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Adams County Bank's total assets ranged from $223.2M (Q3 2023) to $241.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$241.1M total assets against $237.2M; $216.2M total liabilities against $215.7M.
$153.4M net loans and leases against $143.1M; $154.6M total deposits against $155.3M.
$66.2M securities against $65.8M; $8.7M cash and balances due against $16.9M.
$2.9M total interest income against $2.9M; $1.2M total interest expense against $1.3M.
$1.7M net interest income against $1.6M.
$94K total noninterest income against $63K; $677K total noninterest expense against $694K.
$0 provision for credit losses against $0.
$1.1M net income against $991K.
1.89% return on assets against 1.66%; 3.13% net interest margin against 2.94%.
16.81% CET1 capital ratio against 15.21%; 11.82% tier 1 leverage ratio against 10.99%.
Inside the full Adams County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Adams County Bank rankings
Its closest position to the top of a national ranking is 90 of 3,606, for efficiency ratio; its furthest is 3,325 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q4 2024) to 1.89% (Q2 2026) and its net interest margin ran from 2.76% (Q4 2024) to 3.34% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.81% | 1.89% | 0.00% | 0.02% | 3.13% |
| Q1 2026 | 16.28% | 1.86% | 0.00% | 0.00% | 3.34% |
| Q4 2025 | 15.56% | 0.73% | 0.00% | 0.00% | 2.85% |
| Q3 2025 | 15.06% | 1.82% | 0.13% | 0.84% | 3.09% |
| Q2 2025 | 15.21% | 1.66% | 0.00% | 0.00% | 2.94% |
| Q1 2025 | 14.71% | 1.48% | 0.55% | 3.55% | 2.83% |
| Q4 2024 | 14.07% | 0.64% | 0.26% | 1.84% | 2.76% |
| Q3 2024 | 14.38% | 1.56% | 0.00% | 0.01% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 County Bank (main office) | Kenesaw , NE | 68956 | $103.2M |
| Juniata Branch | Juniata , NE | 68955 | $51.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 91 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $548K approved, $548K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 County Bank
What are Adams County Bank's total assets?
As of the Q2 2026 filing, Adams County Bank reported total assets of $241.1 million in its FFIEC call report.
Where is Adams County Bank headquartered?
It is headquartered in Kenesaw, NE, United States.
When was Adams County Bank founded?
It was established in 1878, per the FDIC institution directory.
Is Adams County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adams County Bank?
Adams County Bank's primary federal regulator is the FDIC.
What is Adams County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Adams County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adams County Bank's Texas Ratio?
Its Texas Ratio is 0.02% 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.
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