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Adams Bank & Trust

Popular Accounts at this Bank

2.25%Reward CheckingSuperSmart e-Checking
2.20%5-year CD60 Month CD
1.50%1-year CD12 Month CD

Overview / Commentary
315 North Spruce Street
Ogallala, NE 69153

Adams Bank & Trust is headquartered in Ogallala and is the 13th largest bank in the state of Nebraska. It is also the 1,028th largest bank in the nation. It was established in 1962 and as of December of 2017, it had grown to 179 employees at 19 locations. Adams Bank & Trust's money market rates are 82% higher than the national average, and it has an A health rating.

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Reviews (2)

Very Personal Service

Posted by: GodsFirst | Mar 23, 2013

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).

Gets Worse And Worse

Posted by: Shae Lee | Apr 22, 2016

Been banking here for years and it just gets worse and worse. The staff turnover is very high and they're rude, they consistently loose deposits or enter them in wrong (like dropping a zero), they accidentally return items even if you have enough for it to clear, they make changes to your account without any notifications. Each manager makes up and changes their own policies. Avoid this bank.


Health Grade Components

FDIC Certificate #18489
Year Established1962
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD10.04%
Annual Interest Income$36.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$736.9MM$704.2MM
LoansQ4 2017vs Q4 2016$664.7MM$616.4MM
DepositsQ4 2017vs Q4 2016$632.5MM$608.0MM
Equity CapitalQ4 2017vs Q4 2016$80.4MM$76.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$10.0MM$9.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.8MM$2.9MM
Real Estate OwnedQ4 2017vs Q4 2016$223.00K$595.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Adams Bank & Trust Savings Account Rates

0.50%*$10k*-Health Savings Account - Individual HDHP
OTHER TIERS: 0.25% Up to $10k
0.50%*$10k*-Health Savings Account - Family HDHP
OTHER TIERS: 0.25% Up to $10k
0.35%-$10kChristmas Club
0.25%--1031 Exchange Account

Adams Bank & Trust Money Market Rates

0.80%*$50k*-Money Market Savings
OTHER TIERS: 0.20% Up to $1,500 | 0.40% $1,500 - $5k | 0.50% $5k - $10k | 0.60% $10k - $25k | 0.70% $25k - $50k
0.80%*$50k*-Business Money Market Savings
OTHER TIERS: 0.20% Up to $1,500 | 0.40% $1,500 - $5k | 0.50% $5k - $10k | 0.60% $10k - $25k | 0.70% $25k - $50k

Adams Bank & Trust Checking Account Rates

2.25%*-$25kSuperSmart e-Checking
OTHER TIERS: 0.40% $25k+
0.80%*$100k*-Premier Checking
OTHER TIERS: 0.40% Up to $25k | 0.50% $25k - $50k | 0.60% $50k - $75k | 0.70% $75k - $100k
0.80%*$100k*-Business Premier Checking
OTHER TIERS: 0.40% Up to $25k | 0.50% $25k - $50k | 0.60% $50k - $75k | 0.70% $75k - $100k
0.70%*$100k*-Interest Checking
OTHER TIERS: 0.20% Up to $1,500 | 0.30% $1,500 - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k
0.70%*$100k*-Business Interest Checking
OTHER TIERS: 0.20% Up to $1,500 | 0.30% $1,500 - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k
0.40%*$1k*-GoSmart 50 Checking
OTHER TIERS: 0.10% $100 - $1k

Adams Bank & Trust CD Rates

2.20%*$10k*-60 Month CD
OTHER TIERS: 1.90% $500 - $10k
2.00%*$10k*-48 Month CD
OTHER TIERS: 1.70% $500 - $10k
1.90%*$10k*-36 Month CD
OTHER TIERS: 1.60% $500 - $10k
1.85%*$10k*-30 Month CD
OTHER TIERS: 1.55% $500 - $10k
1.85%*$10k*-30 Month Upgrade CD
OTHER TIERS: 1.55% $2,500 - $10k
1.75%*$10k*-24 Month CD
OTHER TIERS: 1.40% $500 - $10k
1.50%*$10k*-12 Month CD
OTHER TIERS: 1.25% $500 - $10k
1.50%*$10k*-18 Month CD
OTHER TIERS: 1.25% $500 - $10k
1.25%*$10k*-6 Month CD
OTHER TIERS: 1.00% $500 - $10k

Adams Bank & Trust IRA Rates

1.90%*$10k*-36 Month Fixed IRA
OTHER TIERS: 1.60% $500 - $10k
1.90%*$10k*-36 Month Variable IRA
OTHER TIERS: 1.60% $500 - $10k
1.50%*$10k*-18 Month Fixed IRA
OTHER TIERS: 1.25% $500 - $10k
1.50%*$10k*-18 Month Variable IRA
OTHER TIERS: 1.25% $500 - $10k


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