Adams County Bank
Kenesaw, NE
IDRSSD: 9553
Total Assets
$240.24M
Latest filing
Total Deposits
$148.65M
Latest filing
Net Interest Margin
2.78%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104907708KENESAW, NE
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Adams County Bank
401 N Smith Ave
Kenesaw, NE 68956
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1878FDIC Certificate 8938
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Adams County Bank (Main) | 401 N Smith Ave | Kenesaw, NE |
| JUNIATA BRANCH | 1307 N Brass Ave | Juniata, NE |
Showing 1 of 1
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1878 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68956 |
| State and County Number | 31001 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Hastings, NE |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 2 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.adamscountybank.net |
| Data Updated | 01/30/2026 |
| CERT | 14311 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $240.24M |
| Total Deposits | $148.65M |
| Total Liabilities | $216.10M |
| Total Equity Capital | $24.15M |
| Net Income | $432.00k |
| Net Loans and Leases | $156.36M |
| Assets Per Employee ($Millions) | $17.16M |
| Bank Premises and Fixed Assets | $746.00k |
| Cash and Balances due from Depository Institutions | $3.65M |
| Deposits Held in Domestic Offices | $148.65M |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 7.24% |
| Net Interest Margin | 2.78% |
| Efficiency Ratio | 64.58% |
| Tier 1 Risk-Based Capital Ratio | 15.559% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.051% |
| Earning Assets to total Assets | 92.36% |
Income and Expense
| Total Interest Income | $2.95M |
| Total Noninterest Income | $535.00k |
| Total Interest Expense | $1.41M |
| Total Noninterest Expense | $1.34M |
| Net Interest Income | $1.54M |
| Pre-tax Net Operating Income | $435.00k |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $65.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.66M |
| Total Liabilities and Capital | $240.24M |
Securities
| Securities | $64.97M |
| Available-for-sale debt securities | $31.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $33.16M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Adams County Bank?
$240.24M as of the latest filing.
How much are Adams County Bank's total deposits?
$148.65M in total deposits.
Where is Adams County Bank located?
Kenesaw, NE.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1878.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$156.36M (latest filing).
What is the total interest income (latest filing)?
$2.95M.