Adams Bank & Trust
Ogallala, NE
IDRSSD: 463650
Total Assets
$1.34B
Latest filing
Total Deposits
$1.14B
Latest filing
Net Interest Margin
4.88%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Adams Bank & Trust
315 N Spruce St
Ogallala, NE 69153
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/26/1962FDIC Certificate 12384
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Adams Bank & Trust (Main) | 315 N Spruce St | Ogallala, NE |
| INDIANOLA BRANCH | 205 N 4th St | Indianola, NE |
| SUTHERLAND BRANCH | 131 Walnut St | Sutherland, NE |
| MADRID BRANCH | 108 S Perkins Ave | Madrid, NE |
| NORTH PLATTE BRANCH | 121 S Jeffers St | North Platte, NE |
| CHAPPELL BRANCH | 641 2nd St | Chappell, NE |
| GRANT BRANCH | 150 Central Ave | Grant, NE |
| BERTHOUD BRANCH | 1201 Lake Ave | Berthoud, CO |
Showing 7 of 21
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/26/1962 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 69153 |
| State and County Number | 31101 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 249 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 02/26/1962 |
| Primary Insurance Agency | DIF |
| Website | http://www.abtbank.com |
| Data Updated | 01/30/2026 |
| CERT | 18489 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.34B |
| Total Deposits | $1.14B |
| Total Liabilities | $1.16B |
| Total Equity Capital | $179.61M |
| Net Income | $6.63M |
| Net Loans and Leases | $883.65M |
| Assets Per Employee ($Millions) | $5.52M |
| Bank Premises and Fixed Assets | $19.78M |
| Cash and Balances due from Depository Institutions | $183.71M |
| Deposits Held in Domestic Offices | $1.14B |
Key Performance Ratios
| Return on Assets (ROA) | 2.01% |
| Return on Equity (ROE) | 15.02% |
| Net Interest Margin | 4.88% |
| Efficiency Ratio | 60.34% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.395% |
| Earning Assets to total Assets | 95.87% |
Income and Expense
| Total Interest Income | $20.93M |
| Total Noninterest Income | $2.02M |
| Total Interest Expense | $5.57M |
| Total Noninterest Expense | $10.49M |
| Net Interest Income | $15.36M |
| Pre-tax Net Operating Income | $7.96M |
| Provision for Credit Losses | $-1,063,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $48.00k |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.98M |
| Total Liabilities and Capital | $1.34B |
Securities
| Securities | $230.69M |
| Available-for-sale debt securities | $8.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $226.02M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Adams Bank & Trust?
$1.34B as of the latest filing.
How much are Adams Bank & Trust's total deposits?
$1.14B in total deposits.
Where is Adams Bank & Trust located?
Ogallala, NE.
What is the Net Interest Margin?
4.88%.
How many domestic offices does it operate?
21.
When was it established?
02/26/1962.
What is the Return on Assets (ROA)?
2.01%.
How much are total loans and leases?
$883.65M (latest filing).
What is the total interest income (latest filing)?
$20.93M.