Adams Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Ogallala, Adams Bank & Trust serves the Nebraska market as a community-focused commercial bank. Total assets stand at $1.3B. Profitability is strong, 1.24% ROA, paired with 8.93% ROE and a 4.79% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.11% exceeds the CBLR threshold. Asset quality is pristine, 0.47% NPLs and a 2.71% Texas Ratio. Adams Bank & Trust operates a 23-branch network.
As of June 30, 2026, Adams Bank & Trust reported a Tier 1 leverage ratio of 14.11%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.47%, a Texas ratio of 2.71%, per financial data filed with the FFIEC.
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)
- Offices
- 23 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Adams Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Adams Bank & Trust, freeAdams Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 1.24% | 0.47% | 2.71% | 4.79% |
| Q1 2026 | 13.62% | 1.39% | 0.35% | 1.66% | 4.69% |
| Q4 2025 | 13.79% | 2.01% | 0.28% | 1.34% | 4.81% |
| Q3 2025 | 13.45% | 1.31% | 0.17% | 0.80% | 4.89% |
| Q2 2025 | 12.85% | 0.44% | 0.24% | 1.15% | 4.81% |
| Q1 2025 | 12.36% | 1.10% | 0.30% | 1.41% | 4.43% |
| Q4 2024 | 11.60% | -0.15% | 0.36% | 1.81% | 4.41% |
| Q3 2024 | 11.97% | 0.91% | 0.42% | 2.02% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| 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
What the public regulatory sources show for Adams Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 161 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Adams Bank & Trust headquartered?
Adams Bank & Trust is headquartered in Ogallala, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Adams Bank & Trust founded?
Adams Bank & Trust was established in 1962, per the FDIC institution directory.
Is Adams Bank & Trust FDIC-insured?
Yes. Adams Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Adams Bank & Trust operate?
Adams Bank & Trust 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?
Adams Bank & Trust's Texas Ratio is 2.71% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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