Adams Bank & Trust: how it compares with its peers
Against 24 NE banks with half to twice its assets, Adams Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.83% vs. a 3.59% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $8.4M).
| Measure | Adams Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.23% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.83% | 3.59% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.21% | 60.15% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $8.4M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.39% | 88.81% | Context |
What it means for lending operations
Its efficiency ratio of 64.21% is above the 60.15% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Platte Valley Bank Scottsbluff, NE · $1.25B
- Midwest Bank Pierce, NE · $1.24B
- Dayspring Bank Gothenburg, NE · $1.23B
- BankFirst Norfolk, NE · $1.21B
- First State Bank Nebraska Lincoln, NE · $1.13B
- West Gate Bank Lincoln, NE · $1.47B
Questions about Adams Bank & Trust
How big is Adams Bank & Trust?
Adams Bank & Trust, established in 1962, is headquartered in Ogallala, NE. It reported $1.29B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Adams Bank & Trust's return on assets?
1.32% annualized in Q2 2026, against a 1.23% median for 24 NE banks with half to twice its assets, ahead of 58% of them.
What is Adams Bank & Trust's efficiency ratio?
64.21% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 60.15%, and lower is better.
Is Adams Bank & Trust growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 1.2%.
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.