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315 North Spruce Street
Ogallala, NE 69153

Adams Bank & Trust is headquartered in Ogallala and is the 14st largest bank in the state of Nebraska. It is also the 1,112st largest bank in the nation. It was established in 1962 and as of March of 2014, it had grown to 151 employees at 18 locations. Adams Bank & Trust has a A health rating.

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Reviews (1)

Very Personal Service

Based in Nebraska, this bank also has physical branches in Colorado (and perhaps other states). Offers some of the best interest rates, especially if you have more than $10K to deposit.

More importantly, the run with great integral values, as demonstrated by the personal service (we are ALWAYS greeted by name) and tenor of the quarterly newsletters (which offer sound financial wisdom).


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Adams Bank & Trust had $10.49 million in non-current loans and owned real-estate with $76.62 million in equity and loan loss allowances on hand to cover it. This gives Adams Bank & Trust a Texas Ratio of 13.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Adams Bank & Trust decreased slightly from 16.29% as of March 31, 2013 to 13.69% as of March 31, 2014, resulting in a positive change of 15.96%.This indicates that the balance sheet and financial strength for Adams Bank & Trust has improved slightly in recent periods.

Deposit Growth


In the past year, Adams Bank & Trust has increased its total deposits by $25.92 million, resulting in 5.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Adams Bank & Trust has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Adams Bank & Trust has $606.24 million in assets with $76.62 million in equity, resulting in a capitalization level of 12.64%, which is excellent.

Institution Statistics

FDIC Certificate #18489
Year Established1962
Primary RegulatorFED
Assets and Liabilities
Assets$606.24 million
Loans$492.68 million
Deposits$509.32 million
Equity Capital$70.31 million
Loan Loss Allowance$6.31 million
Unbacked Noncurrent Loans$3.27 million
Real Estate Owned$7.22 million
Historic Data - March 2013
Assets$578.72 million
Equity Capital$70.54 million
Loan Loss Allowance$6.23 million
Unbacked Noncurrent Loans$3.27 million
Real Estate Owned$6.17 million
Profit Margin - Quarterly
Return on Assets0.76%
Return on Equity6.56%
Interest Income$6.85 million

Always verify rates and promotions with the bank or credit union. We are not Adams Bank & Trust, we are a rate comparison website and can not provide official rates or promotions.

Adams Bank & Trust Savings Account Rates

0.50%$10k-HSA - Individual HDHP
0.50%$10k-HSA - Family HDHP
0.35%-$10kChristmas Club
0.10%--1031 Exchange Account

Adams Bank & Trust Money Market Rates

0.25%$50k-Money Market Savings
0.25%$50k-Business Money Market Savings

Adams Bank & Trust Checking Account Rates

2.00%-$25kSuperSmart e-Checking - Qualifying
0.25%$100k-Interest Checking
0.25%$100k-Premier Checking
0.25%$100k-Business Interest Checking
0.25%$100k-Business Premier Checking
0.15%$1k-GoSmart 50 Checking
0.10%--SuperSmart e-Checking - Non Qualifying

Adams Bank & Trust CD Rates

2.01%$25k-60 Month Upgrade CD Special
1.90%$10k-60 Month CD
1.50%$10k-48 Month CD
1.25%$10k-36 Month CD
1.15%$10k-30 Month CD
1.15%$10k-30 Month Upgrade CD
0.80%$10k-24 Month CD
0.70%$10k-18 Month CD
0.50%$10k-12 Month CD
0.35%$10k-6 Month CD

Adams Bank & Trust IRA Rates

1.25%$10k-36 Month Fixed IRA
1.25%$10k-36 Month Variable IRA
0.70%$10k-18 Month Fixed IRA
0.70%$10k-18 Month Variable IRA

Adams Bank & Trust has 16 locations. Click to view all Adams Bank & Trust locations.