Side-by-side · Q2 2026 data
Adams Bank & Trust vs Sidney Federal Savings and Loan Association
Bank
Sidney Federal Savings and Loan Association
Sidney, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Adams Bank & Trust | Sidney Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 91 | 92 (stronger) |
| Loan quality | 82 (stronger) | 33 |
| Earnings | 73 | 91 (stronger) |
| Funding & liquidity | 69 (stronger) | 62 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 93rd | 48th |
| Total assets | $1.3B | $55.6M |
| Deposits / shares | $1.1B | $44.6M |
| Capital ratio | 14.11% | 14.21% (stronger) |
| Problem loans | 0.55% (stronger) | 2.00% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.32% | 1.78% (stronger) |
| Loans ÷ deposits | 82.4% | 34.5% (stronger) |
| Uninsured deposits | 23.0% (stronger) | 49.1% |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
Adams Bank & Trust has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 4 and Sidney Federal Savings and Loan Association on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.