Adams State Bank
BankRegReports is independent of Adams State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Adams State Bank is an FDIC-insured commercial bank headquartered in Adams, NE, established in 1918 (FDIC certificate 9812), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $70.2M, up 0.7% from Q2 2025, the 120th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9812
- Headquarters
- Adams, NE
- Established
- 1918
- Total assets, Q2 2026
- $70.2M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 16.62%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104911671
- Latest call report
- Q2 2026, FFIEC 051 · Adams State Bank call report
- Asset rank in state
- 120th of 138 in Nebraska
Adams State Bank runs leaner than most banks of its size. Its balance sheet stood at $70 million at June 30, 2026; it is based in Adams, Nebraska. It spends about 46 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also earns about $2.07 a year on every $100 of assets, about double the median of $1.06 for banks its size.
As of June 30, 2026, Adams State Bank reported a return on assets of 2.07%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Adams State Bank is the 120th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $70.2M, loans fell 1.2% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by agricultural production loans, at 36.1% of total loans, followed by 1-4 family residential loans at 26.7%. Its one office in the FDIC Summary of Deposits is in Adams, NE. By the capital ratios in its Q2 2026 call report, Adams State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 649 Main St, Adams, NE 68301
- County
- Gage
- Metro Area
- Beatrice, 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 18, 1918
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $54.2M
- Allowance for credit losses
- $359K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $67.9M
- Average total loans
- $49.0M
- Average interest-bearing deposits
- $40.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9812
- Fed RSSD
- 332756
- Website
- www.adamsstate.com →
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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Adams State Bank's total assets moved between a low of $68.7M (Q1 2024) and a high of $73.2M (Q1 2025) from Q3 2023 to Q2 2026, 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
$70.2M total assets against $69.6M; $59.1M total liabilities against $59.4M.
$48.9M net loans and leases against $47.7M; $54.2M total deposits against $52.8M.
$16.0M securities against $16.9M; $3.2M cash and balances due against $3.1M.
$908K total interest income against $922K; $282K total interest expense against $333K.
$626K net interest income against $589K.
$42K total noninterest income against $30K; $312K total noninterest expense against $509K.
-$3K provision for credit losses against $0.
$352K net income against $106K.
2.07% return on assets against 0.61%; 3.83% net interest margin against 3.47%.
16.62% tier 1 leverage ratio against 15.38%.
Inside the full Adams State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.66% (Q3 2024) to 2.07% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.83% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.62% | 2.07% | 0.09% | 0.39% | 3.83% |
| Q1 2026 | 16.14% | 1.19% | 0.19% | 0.83% | 3.76% |
| Q4 2025 | 15.73% | 1.37% | 0.04% | 0.17% | 3.83% |
| Q3 2025 | 15.62% | 1.08% | 0.12% | 0.55% | 3.62% |
| Q2 2025 | 15.38% | 0.61% | 0.05% | 0.23% | 3.47% |
| Q1 2025 | 15.03% | 1.07% | 0.17% | 0.78% | 3.16% |
| Q4 2024 | 14.73% | 0.81% | 0.13% | 0.63% | 2.87% |
| Q3 2024 | 14.91% | -0.66% | 0.05% | 0.22% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank (main office) | Adams , NE | 68301 | $54.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 134 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Adams State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Adams State Bank
What are Adams State Bank's total assets?
As of the Q2 2026 filing, Adams State Bank reported total assets of $70.2 million in its FFIEC call report.
Where is Adams State Bank headquartered?
It is headquartered in Adams, NE, United States.
When was Adams State Bank founded?
It was established in 1918, per the FDIC institution directory.
Is Adams State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adams State Bank?
Adams State Bank's primary federal regulator is the FDIC.
How many branches does Adams State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adams State Bank's Texas Ratio?
Its Texas Ratio is 0.39% 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.
Go deeper on Adams State Bank.
Get an email when Adams State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Adams State Bank, freeFree account