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Adams Bank & Trust


Adams Bank & Trust is an FDIC insured institution headquartered at 315 N Spruce St, Ogallala, NE 69153.
It was founded in 1962 and has approximately $1 billion in assets. Customers can open an account at one of its 19 branches.

Deposit Rates - February 02, 2026

CD RATES APY MIN
6 Mo CD
0.50% $10,000 Compare
6 Mo CD
0.50% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.55% $100,000 Compare
18 Mo CD
0.60% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
30 Mo CD
0.70% $10,000 Compare
30 Mo CD
0.70% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.85% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $1
Int Ckg
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18489
Date Established 1962
Assets $ 1,295.78 million
Loans $ 857.69 million
Deposits $ 1,091.19 million
Capital $ 173.50 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 126.59 million
Interest-bearing balances $ 111.64 million
Total securities $ 262.98 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 857.69 million
Loan loss allowance $ 11.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 25.02 million
     Total Assets $ 1,122.28 million

LIABILITIES
Total deposits $ 1,091.19 million
      Interest-bearing deposits $ 903.97 million
      Deposits held in domestic offices $ 1,091.19 million
      % insured (estimated)" 75.10%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 64.78 million
Subordinated debt N.A.
All other liabilities $ 4.48 millionn
      Total Liabilities $ 1,122.28 million
      Shareholders’ Equity $ 173.50 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 64.40 million
Total Interest Expense $ 18.81 million
Net interest income $ 45.59 million
Provision for loan and lease losses $ 6.94 million
Total non interest income $ 4.80 million
Total non interest expense $ 31.27 million
Pre-tax Net Operating Income $ 11.90 million

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