Adams Bank & Trust

Overview / Commentary
315 North Spruce Street
Ogallala, NE 69153

Adams Bank & Trust is headquartered in OGALLALA and is the 10th largest bank in the state of Nebraska. It is also the 796th largest bank in the nation. It was established in 1962 and as of June of 2023, it had grown to 237 employees at 22 locations. Adams Bank & Trust's CD rates are 6X the national average, and it has a B+ health rating.

Reviews (5)

You Will Not Find A Better Bank

Posted by: |

I've been a customer and exposed to the services of many banks in my career. Adams Bank and Trust is, by far, the best bank that I have ever used. They are always on the cutting edge with their online software and other services. Their customer service is far above their competition. I've never - not once in 35 years - had any sort of problems. If I had, I'm sure that a single phone call would have solved it. You will not find a better bank.

Very Personal Service

Posted by: |

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).

WARNING - Avoid Depositing Funds With Adams Bank And Trust

Adams Bank and Trust has held $17,600 of a deposit totaling $22,600 for over 10 days. Those funds were transferred via interbank systems the next day after I made that deposit. The account upon which I wrote the check has a balance over $100,000, and is with a major international financial institution.

Adams Bank and Trust operates as if the year was 1819, versus 2019. Their systems, policies, and procedures are outdated and antiquated.

I am closing all my accounts with Adams Bank and Trust, and moving my money to an institution that can meet customer expectations in 2019.

Worse And Worse

Posted by: |

I had an account with them for years. It was my first bank in Colorado. At first, they were the greatest and I was treated exceptionally well.

Well, something major changed with the bank. It started at first with them changing their online bill pay method. At first, it used to verify funds in the account, then send out checks, as it took the money out. Then, all of a sudden, they changed it so that it didn't take out the money until the checks came back and were cleared.

This sudden change took me by surprise and I found that I was suddenly being charged fees because I thought I had money in the account but in truth, checks hadn't cleared yet and they had merely changed their policies.

I was charged a number of other fees later on for other things also, to the point where I finally made inquiry about what was going on, and even eventually even filed a complaint against the bank for excessive and unfair fees.

The end result? I get a threat from the owner of the bank saying that he is going to cancel my account because of the complaint, a denial that he took out any fees (he lied on the reply and tried to point to a savings account instead of my checking account).

Someone in management there are making corrupt decisions and are being dishonest in their management.

Gets Worse And Worse

Posted by: |

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 - YTD1.42%
Return on Equity - YTD14.13%
Annual Interest Income$39.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.32B$1.25B
LoansQ2 2023vs Q2 2022$796.8MM$752.6MM
DepositsQ2 2023vs Q2 2022$1.07B$1.07B
Equity CapitalQ2 2023vs Q2 2022$142.6MM$115.0MM
Loan Loss AllowanceQ2 2023vs Q2 2022$10.9MM$13.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.5MM$1.2MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Adams Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* 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

2.00%-$10kChristmas Club
1.75%--1031 Exchange Account
1.50%*$10k*-Health Savings Account - Individual HDHP
OTHER TIERS: 1.35% Up to $10k
1.50%*$10k*-Health Savings Account - Family HDHP
OTHER TIERS: 1.35% Up to $10k

Adams Bank & Trust Money Market Rates

2.50%*$50k*-Money Market Savings
OTHER TIERS: 1.80% Up to $1.5k | 1.90% $1.5k - $5k | 2.00% $5k - $10k | 2.10% $10k - $25k | 2.30% $25k - $50k
2.50%*$50k*-Non-Consumer Money Market Savings
OTHER TIERS: 1.80% Up to $1.5k | 1.90% $1.5k - $5k | 2.00% $5k - $10k | 2.10% $10k - $25k | 2.30% $25k - $50k

Adams Bank & Trust Checking Account Rates

3.00%-$25kSuperSmart e-Checking
2.36%*$100k*-Interest Checking
OTHER TIERS: 1.65% Up to $1.5k | 1.75% $1.5k - $10k | 2.05% $10k - $25k | 2.10% $25k - $50k | 2.15% $50k - $100k
2.36%*$100k*-Premier Checking
OTHER TIERS: 1.65% Up to $25k | 1.85% $25k - $50k | 2.05% $50k - $75k | 2.15% $75k - $100k
2.36%*$100k*-Business Interest Checking
OTHER TIERS: 1.65% Up to $1.5k | 1.75% $1.5k - $10k | 2.05% $10k - $25k | 2.10% $25k - $50k | 2.15% $50k - $100k
2.36%*$100k*-Business Premier Checking
OTHER TIERS: 1.65% Up to $25k | 1.85% $25k - $50k | 2.05% $50k - $75k | 2.15% $75k - $100k
2.00%*$1k*-GoSmart 50 Checking
OTHER TIERS: 1.80% $100 - $1k

Adams Bank & Trust CD Rates

5.25%*$10k*-12 Month CD
OTHER TIERS: 4.75% $500 - $10k
5.25%*$10k*-18 Month CD
OTHER TIERS: 4.75% $500 - $10k
5.00%*$10k*-6 Month CD
OTHER TIERS: 4.50% $500 - $10k
4.50%*$10k*-24 Month CD
OTHER TIERS: 4.00% $500 - $10k
4.40%*$10k*-30 Month CD
OTHER TIERS: 3.90% $500 - $10k
4.38%*$10k*-30 Month Upgrade CD
OTHER TIERS: 3.88% $2.5k - $10k
4.00%*$10k*-36 Month CD
OTHER TIERS: 3.49% $500 - $10k
3.85%*$10k*-48 Month CD
OTHER TIERS: 3.35% $500 - $10k
3.85%*$10k*-60 Month CD
OTHER TIERS: 3.35% $500 - $10k

Adams Bank & Trust IRA Rates

5.25%*$10k*-18 Month Fixed IRA
OTHER TIERS: 4.75% $500 - $10k
5.25%*$10k*-18 Month Variable IRA
OTHER TIERS: 4.75% $500 - $10k
4.00%*$10k*-36 Month Fixed IRA
OTHER TIERS: 3.49% $500 - $10k
4.00%*$10k*-36 Month Variable IRA
OTHER TIERS: 3.49% $500 - $10k


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