Headquartered in Adams, Nebraska, Adams State Bank is a state-chartered bank with $70.2M in total assets and $54.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1918.
Based on its Q2 2026 filing, Adams State Bank scores 91/100, which we describe as very strong. That is higher than 90% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 13th. Its strongest component is capital cushion (100/100; 16.62%), and its lowest is funding & liquidity (70/100; 90% loans-to-deposits, 14% 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 5 points (86 → 91), mostly because the earnings component improved by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 87 |
| Q2 2025 | 86 |
| Q3 2025 | 85 |
| Q4 2025 | 86 |
| Q1 2026 | 87 |
| Q2 2026 | 91 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.43% |
| Q3 2024 | 14.91% |
| Q4 2024 | 14.73% |
| Q1 2025 | 15.03% |
| Q2 2025 | 15.38% |
| Q3 2025 | 15.62% |
| Q4 2025 | 15.73% |
| Q1 2026 | 16.14% |
| Q2 2026 | 16.62% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.28% |
| Q1 2025 | 1.05% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.91% |
| Q4 2025 | 1.02% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $70.2M | 16.62% | 0.09% | 1.59% | 90.1% |
| Q1 2026 | 87 | $70.6M | 16.14% | 0.19% | 1.17% | 91.4% |
| Q4 2025 | 86 | $69.6M | 15.73% | 0.04% | 1.02% | 100.6% |
| Q3 2025 | 85 | $71.4M | 15.62% | 0.12% | 0.91% | 96.1% |
| Q2 2025 | 86 | $69.6M | 15.38% | 0.05% | 0.83% | 90.4% |
| Q1 2025 | 87 | $73.2M | 15.03% | 0.17% | 1.05% | 85.7% |
| Q4 2024 | 79 | $71.0M | 14.73% | 0.13% | 0.28% | 94.3% |
| Q3 2024 | 80 | $73.1M | 14.91% | 0.05% | 0.10% | 83.9% |
| Q2 2024 | 84 | $69.6M | 15.43% | 0.13% | 0.49% | 82.0% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Genoa Community BankBank Genoa, NE | 85 out of 100, Very strong | $70.5M | 12.9% | 0.00% | vs |
| American Exchange BankBank Elmwood, NE | 72 out of 100, Strong | $69.7M | 9.6% | 0.98% | vs |
| Battle Creek State BankBank Battle Creek, NE | 81 out of 100, Strong | $71.0M | 14.4% | 0.00% | vs |
| Nebraska State BankBank Oshkosh, NE | 79 out of 100, Strong | $74.1M | 18.1% | 1.40% | vs |
| Commercial State BankBank Republican City, NE | 97 out of 100, Very strong | $75.5M | 28.6% | 0.00% | vs |
| Stanton State BankBank Stanton, NE | 74 out of 100, Strong | $64.8M | 9.7% | 0.24% | vs |
Deposit insurance
Is my money safe at Adams State Bank?
Yes. Adams State Bank is an FDIC-insured institution (FDIC certificate #9812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.0% of deposits ($7.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.62%, 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%).
1 location
Branches
Adams State Bank lists 1 office in 1 city. Most locations:
- Adams, NE (1)
Identity & history
Profile
- Legal name
- Adams State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9812
- RSSD ID
- 332756
- Primary regulator
- FDIC
- Established
- January 18, 1918
- Headquarters
- 649 Main St, Adams, NE 68301
- Website
- www.adamsstate.com
- Employees
- 8
Quick answers
Adams State Bank: common questions
Is Adams State Bank FDIC insured?
Yes. Adams State Bank is an FDIC-insured institution (FDIC certificate #9812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Adams State Bank's TellerScore?
91 out of 100 (Very 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 State Bank ever failed?
There is no failure record for FDIC certificate #9812 in the FDIC failed bank list.
How many branches does Adams State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Adams
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |
| Liberty First Credit UnionCredit union Lincoln, NE | 86 out of 100, Very strong | $523.4M | 15.1% | 0.79% | vs |
| Tecumseh Federal BankBank Tecumseh, NE | 83 out of 100, Strong | $53.1M | 21.3% | 0.17% | vs |
| Sun Pacific Federal Credit UnionCredit union Richmond, CA | 81 out of 100, Strong | $29.9M | 20.5% | 1.16% | vs |
| Membersown Credit UnionCredit union Lincoln, NE | 80 out of 100, Strong | $109.3M | 14.1% | 0.91% | vs |