Adams State Bank


Overview / Commentary
402-988-2255
649 Main Street
Adams, NE 68301

Adams State Bank is headquartered in ADAMS and is the 119th largest bank in the state of Nebraska. It is also the 4,045th largest bank in the nation. It was established in 1918 and as of March of 2025, it had grown to 8 employees at 1 location. Adams State Bank's CD rates are 5X the national average, and it has an A health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Adams State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #9812
Year Established1918
Employees8
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD7.62%
Annual Interest Income$883K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$73.2MM$68.7MM
LoansQ1 2025vs Q1 2024$47.6MM$43.4MM
DepositsQ1 2025vs Q1 2024$55.5MM$52.9MM
Equity CapitalQ1 2025vs Q1 2024$10.1MM$9.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$299K$321K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$81K$3K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Adams State Bank; 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 State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-Savings
0.50%$0-HSA

Adams State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$2.5k*-Money Market
OTHER TIERS: 0.25% $0 - $2.5k

Adams State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$5k*-Super Now
OTHER TIERS: 0.50% $0 - $5k
0.50%*$1k*-NOW
OTHER TIERS: 0.25% $0 - $1k

Adams State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$1k-6 Month CD
4.06%$1k-9 Month CD
4.06%$1k-12 Month CD
3.80%$1k-14 Month CD
3.80%$1k-15 Month CD
3.80%$1k-18 Month CD
3.80%$1k-24 Month CD
3.80%$1k-30 Month CD
3.55%$1k-36 Month CD
3.55%$1k-42 Month CD
3.55%$1k-48 Month CD
0.75%$1k-3 Month CD

Adams State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$1k-6 Month IRA
2.92%$0-Traditional IRA TDOA
2.92%$0-Roth IRA TDOA
Locations


Adams State Bank Locations
Adams State Bank649 Main StAdams, NE 68301

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