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Adams Bank & Trust
Ogallala, NE · FDIC Certificate #18489 · Chartered 02/2
Total assets
$1.29B
Total deposits
$1.10B
Total equity
$182.34M
Net loans
$904.81M
Branches (offices)
23
Net income (YTD)
$8.73M
Rank: #851 of 4,213 U.S. banks by assets · #11 of 138 in Nebraska. Assets changed -1.5% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 9.65% |
| Net interest margin (YTD) | 4.83% |
| Equity to assets | 14.12% |
| Tier 1 leverage ratio | 14.11% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 74.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $670.52M | 74.1% | |
| Commercial & industrial | $68.88M | 7.6% | |
| Consumer / individual | $7.71M | 0.9% | |
| Construction & development | $67.11M | 7.4% | |
| Agricultural | $164.62M | 18.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.25B | $1.07B | $9.37M | $115.00M |
| Jun 2023 | $1.32B | $1.07B | $9.15M | $142.62M |
| Jun 2024 | $1.39B | $1.13B | $7.93M | $161.68M |
| Jun 2025 | $1.31B | $1.08B | $5.21M | $168.61M |
| Jun 2026 | $1.29B | $1.10B | $8.73M | $182.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $654.68M | 11 |
| Colorado | $418.05M | 10 |
| Kansas | $24.36M | 1 |
| Arizona | $1.05M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.10B.
Similar-sized banks
The Commercial And Savings Bank Of Millersburg, Ohio ($1.30B) · First Harrison Bank ($1.29B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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