Side-by-side · Q2 2026 data
Sandhills State Bank vs Adams Bank & Trust
Metric by metric
| Measure | Sandhills State Bank | Adams Bank & Trust |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 34 | 91 (stronger) |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 81 (stronger) | 73 |
| Funding & liquidity | 59 | 69 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 40th | 93rd |
| Total assets | $382.8M | $1.3B |
| Deposits / shares | $347.1M | $1.1B |
| Capital ratio | 8.42% | 14.11% (stronger) |
| Problem loans | 0.16% (stronger) | 0.55% |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 1.52% (stronger) | 1.32% |
| Loans ÷ deposits | 79.3% (stronger) | 82.4% |
| Uninsured deposits | 34.6% | 23.0% (stronger) |
| Offices | 10 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Adams Bank & Trust has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sandhills State Bank leads on 4 and Adams Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- North Platte, NE
- Grant, NE
- Ogallala, NE