Adams County Bank is a state-chartered bank headquartered in Kenesaw, Nebraska, in business for about 148 years. At the end of Q2 2026 it reported $241.1M in total assets and $154.6M in deposits, with 2 offices.
Based on its Q2 2026 filing, Adams County Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 33rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (55/100; 99% loans-to-deposits, 21% 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 (79 → 83), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 82 |
| Q2 2026 | 83 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.61% |
| Q3 2024 | 10.81% |
| Q4 2024 | 10.79% |
| Q1 2025 | 10.61% |
| Q2 2025 | 10.99% |
| Q3 2025 | 11.69% |
| Q4 2025 | 11.62% |
| Q1 2026 | 11.44% |
| Q2 2026 | 11.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.84% |
| Q2 2026 | 1.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $241.1M | 11.82% | 0.00% | 1.86% | 99.2% |
| Q1 2026 | 82 | $241.6M | 11.44% | 0.00% | 1.84% | 94.0% |
| Q4 2025 | 78 | $240.2M | 11.62% | 0.00% | 1.41% | 105.2% |
| Q3 2025 | 79 | $236.3M | 11.69% | 0.13% | 1.65% | 106.2% |
| Q2 2025 | 79 | $237.2M | 10.99% | 0.00% | 1.58% | 92.1% |
| Q1 2025 | 72 | $241.1M | 10.61% | 0.55% | 1.48% | 88.2% |
| Q4 2024 | 72 | $235.5M | 10.79% | 0.26% | 1.22% | 101.9% |
| Q3 2024 | 76 | $240.3M | 10.81% | 0.00% | 1.41% | 106.2% |
| Q2 2024 | 75 | $235.2M | 10.61% | 0.00% | 1.35% | 101.0% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Nebraska Bank of CommerceBank Lincoln, NE | 66 out of 100, Moderate | $241.2M | 9.6% | 0.33% | vs |
| Citizens Bank & Trust CompanyBank Saint Paul, NE | 54 out of 100, Below average | $242.3M | 11.4% | 2.42% | vs |
| State Nebraska Bank & TrustBank Wayne, NE | 61 out of 100, Moderate | $244.0M | 10.9% | 1.61% | vs |
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
| Auburn State BankBank Auburn, NE | 91 out of 100, Very strong | $251.3M | 15.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Adams County Bank?
Yes. Adams County Bank is an FDIC-insured institution (FDIC certificate #14311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.6% of deposits ($31.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.84% (benchmark: 10%).
2 locations
Branches
Adams County Bank lists 2 offices in 2 cities. Most locations:
- Juniata, NE (1)
- Kenesaw, NE (1)
Identity & history
Profile
- Legal name
- Adams County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14311
- RSSD ID
- 9553
- Primary regulator
- FDIC
- Holding company
- First Kenesaw Co
- Established
- January 1, 1878
- Headquarters
- 401 N Smith Ave, Kenesaw, NE 68956
- Website
- www.adamscountybank.net
- Employees
- 14
Quick answers
Adams County Bank: common questions
Is Adams County Bank FDIC insured?
Yes. Adams County Bank is an FDIC-insured institution (FDIC certificate #14311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Adams County Bank's TellerScore?
83 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 County Bank ever failed?
There is no failure record for FDIC certificate #14311 in the FDIC failed bank list.
How many branches does Adams County Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kenesaw
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| Hastings Federal Credit UnionCredit union Hastings, NE | 93 out of 100, Very strong | $52.0M | 20.8% | 0.36% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Minden Exchange Bank & Trust CompanyBank Minden, NE | 82 out of 100, Strong | $201.4M | 19.8% | 1.23% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |