Headquartered in Ogallala, Nebraska, Adams Bank & Trust is a state-chartered bank (fed member) with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 23 offices across 4 states. Its charter dates back to 1962.
Based on its Q2 2026 filing, Adams Bank & Trust scores 82/100, which we describe as strong. That is higher than 93% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 36th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is funding & liquidity (69/100; 82% loans-to-deposits, 23% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (78 → 82), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 74 |
| Q1 2025 | 79 |
| Q2 2025 | 78 |
| Q3 2025 | 82 |
| Q4 2025 | 84 |
| Q1 2026 | 84 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.67% |
| Q3 2024 | 11.97% |
| Q4 2024 | 11.60% |
| Q1 2025 | 12.36% |
| Q2 2025 | 12.85% |
| Q3 2025 | 13.45% |
| Q4 2025 | 13.79% |
| Q1 2026 | 13.62% |
| Q2 2026 | 14.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.55% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.05% |
| Q4 2024 | 0.75% |
| Q1 2025 | 1.10% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $1.3B | 14.11% | 0.55% | 1.32% | 82.4% |
| Q1 2026 | 84 | $1.3B | 13.62% | 0.32% | 1.40% | 78.2% |
| Q4 2025 | 84 | $1.3B | 13.79% | 0.26% | 1.21% | 77.6% |
| Q3 2025 | 82 | $1.3B | 13.45% | 0.13% | 0.95% | 78.6% |
| Q2 2025 | 78 | $1.3B | 12.85% | 0.14% | 0.77% | 78.6% |
| Q1 2025 | 79 | $1.3B | 12.36% | 0.20% | 1.10% | 75.0% |
| Q4 2024 | 74 | $1.4B | 11.60% | 0.27% | 0.75% | 73.4% |
| Q3 2024 | 77 | $1.4B | 11.97% | 0.36% | 1.05% | 72.3% |
| Q2 2024 | 77 | $1.4B | 11.67% | 0.37% | 1.13% | 74.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Platte Valley BankBank Scottsbluff, NE | 66 out of 100, Moderate | $1.2B | 9.5% | 0.57% | vs |
| Midwest BankBank Pierce, NE | 64 out of 100, Moderate | $1.2B | 9.4% | 0.44% | vs |
| Dayspring BankBank Gothenburg, NE | 58 out of 100, Moderate | $1.2B | 10.7% | 1.73% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| First State Bank NebraskaBank Lincoln, NE | 71 out of 100, Strong | $1.1B | 9.0% | 0.24% | vs |
| West Gate BankBank Lincoln, NE | 72 out of 100, Strong | $1.5B | 10.4% | 0.25% | vs |
Deposit insurance
Is my money safe at Adams Bank & Trust?
Yes. Adams Bank & Trust is an FDIC-insured institution (FDIC certificate #18489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.0% of deposits ($252.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
23 locations
Branches
Adams Bank & Trust lists 23 offices in 19 cities across 4 states. Most locations:
- Colorado Springs, CO (3)
- Fort Collins, CO (2)
- North Platte, NE (2)
- Berthoud, CO (1)
- Brule, NE (1)
- Chappell, NE (1)
- Colby, KS (1)
- Dewey, AZ (1)
- Firestone, CO (1)
- Grant, NE (1)
- Greeley, CO (1)
- Imperial, NE (1)
HMDA 2025
Mortgage lending
In 2025, Adams Bank & Trust reported 429 home-loan applications under HMDA (LEI 54930040GLSEV5H11Q12): 312 originated ($81,240,000 total), 38 denied, and 71 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Adams Bank & Trust
- Former names
- Keith County Bank; Keith County Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 18489
- RSSD ID
- 463650
- Primary regulator
- FED
- Holding company
- Adage Llc
- Established
- February 26, 1962
- Headquarters
- 315 N Spruce St, Ogallala, NE 69153
- Website
- www.abtbank.com
- Employees
- 241
Quick answers
Adams Bank & Trust: common questions
Is Adams Bank & Trust FDIC insured?
Yes. Adams Bank & Trust is an FDIC-insured institution (FDIC certificate #18489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Adams Bank & Trust's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Adams Bank & Trust ever failed?
There is no failure record for FDIC certificate #18489 in the FDIC failed bank list.
How many branches does Adams Bank & Trust have?
23 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Ogallala
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |
| Henderson State BankBank Henderson, NE | 72 out of 100, Strong | $678.5M | 10.4% | 0.27% | vs |
| Sandhills State BankBank North Platte, NE | 69 out of 100, Moderate | $382.8M | 8.4% | 0.16% | vs |