Adams Bank & Trust
Ogallala, Nebraska, Keith County
$1.3B in total assets, the 870th largest of 4,309 US banks and 11th of 139 headquartered in Nebraska.
- FDIC certificate
- 18489
- Established
- 1962
- Owned by
- Adage Llc
- Primary regulator
- FED
- Website
- http://www.abtbank.com
At a glance
Compared with 20 banks headquartered in Nebraska with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 55% | $1.2B | |
| Loans | $917M | 50% | $924M | |
| Deposits | $1.1B | 55% | $1.1B | |
| Return on assets | 1.49% | 80% | 1.23% | |
| Net interest margin | 4.83% | 98% | 3.43% | |
| Efficiency ratio | 64.2% | 75% | 60.8% | |
| Equity to assets | 14.12% | 95% | 9.78% | |
| Loans to deposits | 83% | 15% | 90% |
Growth
Total assets grew 3.2% a year over the last 5 years and 6.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2004 | Vista Bank Colorado Springs, CO | $52M |
| Dec 2000 | Bank of Colorado - Western Slope Grand Junction, CO | $168M |
| Jul 1999 | Bank of Indianola Indianola, NE | $19M |
| May 1997 | The First State Bank Lodgepole, NE | $12M |
| Jan 1986 | Chase County Bank & Trust Company Imperial, NE | $24M |
| Jan 1986 | Bank of Brule, Brule, Nebraska Brule, NE | $22M |
| Jan 1986 | First Security Bank Sutherland, NE | $15M |
| Jan 1986 | Security State Bank Madrid, NE | $8M |
Where they operate
23 branches in 13 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Keith County, NE | $287M | 60.1% | 1 of 4 |
| Larimer County, CO | $169M | 1.6% | 10 of 28 |
| Chase County, NE | $125M | 36.3% | 2 of 4 |
| El Paso County, CO | $117M | 1.1% | 23 of 40 |
| Lincoln County, NE | $104M | 6.7% | 4 of 14 |
| Weld County, CO | $92M | 1.5% | 16 of 24 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (19 to 23, +21.1%). 5 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 19 | |||
| 2019 | Opened Fort Collins | 1 | 0 | +1 | 20 |
| 2022 | Opened Colorado Springs and Greeley | 2 | 0 | +2 | 22 |
| 2023 | Closed Sterling | 0 | 1 | −1 | 21 |
| 2025 | Opened Windsor | 1 | 0 | +1 | 22 |
| 2026 through Q2 | Opened Dewey | 1 | 0 | +1 | 23 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 28% | |
| Agricultural | 18% | 9% | |
| 1-4 family residential | 16% | 17% | |
| Farmland | 9% | 12% | |
| Business (C&I) | 8% | 14% | |
| Construction and land | 7% | 8% | |
| Multifamily | 3% | 7% | |
| Consumer | 1% | 2% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 55% | |
| Time deposits | 26% | 32% | |
| Noninterest-bearing | 17% | 14% |
Brokered deposits are 0.0% of deposits (peers 10.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.00% | 0.35% |
| Net charge-offs, annualized | 0.02% | 0.00% |
| Reserves to loans | 1.31% | 1.37% |
| Leverage ratio | 14.11% | 10.34% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Keith County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/adams-bank-trust-ogallala-ne