Side-by-side · Q2 2026 data
First State Bank Nebraska vs Adams Bank & Trust
Metric by metric
| Measure | First State Bank Nebraska | Adams Bank & Trust |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 40 | 91 (stronger) |
| Loan quality | 92 (stronger) | 82 |
| Earnings | 80 (stronger) | 73 |
| Funding & liquidity | 69 | 69 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 63rd | 93rd |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $990.0M | $1.1B |
| Capital ratio | 9.00% | 14.11% (stronger) |
| Problem loans | 0.24% (stronger) | 0.55% |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.51% (stronger) | 1.32% |
| Loans ÷ deposits | 90.8% | 82.4% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 23.0% |
| Offices | 18 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 10.6% |
Adams Bank & Trust has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Nebraska leads on 3 and Adams Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.