Adams County Bank: how it compares with its peers
Against 54 NE banks with half to twice its assets, Adams County Bank's strongest measure in Q2 2026 is assets per employee ($17.2M vs. a $8.1M peer median). Its weakest relative measure is net interest margin (3.17% vs. 3.96%).
| Measure | Adams County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.41% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.17% | 3.96% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.28% | 57.57% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.2M | $8.1M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.23% | 84.82% | Context |
What it means for lending operations
Its efficiency ratio of 39.28% is better than the 57.57% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Nebraska Bank of Commerce Lincoln, NE · $241M
- Citizens Bank & Trust Company Saint Paul, NE · $242M
- State Nebraska Bank & Trust Wayne, NE · $244M
- Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE · $233M
- First State Bank Loomis, NE · $232M
- Auburn State Bank Auburn, NE · $251M
Questions about Adams County Bank
How big is Adams County Bank?
Adams County Bank, established in 1878, is headquartered in Kenesaw, NE. It reported $241M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Adams County Bank's return on assets?
1.86% annualized in Q2 2026, against a 1.41% median for 54 NE banks with half to twice its assets, ahead of 83% of them.
What is Adams County Bank's efficiency ratio?
39.28% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 57.57%, and lower is better.
Is Adams County Bank growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits shrank 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.