Bank · FDIC insured
Adams Bank & Trust
A $1.3B bank headquartered in Ogallala, NE, with 23 branches in 4 states. Best rates: CDs 4.00% and savings 0.65% APY.
Adams Bank & Trust Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#9 of 29 in Colorado Springs, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Adams Bank & Trust
Founded in 1916 and family-owned for over 100 years, Adams Bank & Trust is headquartered in Ogallala, Nebraska.
Operating 23 branches across Nebraska, Colorado, Kansas, and Arizona, the bank specializes in agricultural lending.
- Headquarters
- 315 N Spruce St, Ogallala, NE 69153
- FDIC certificate
- 18489 ↗
Branches
23 branches in 4 states
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Nebraska
11 branches
North Platte area · 3
- North Platte Branch121 S Jeffers St, North Platte, NE 69101Directions
- North Platte South Branch3221 S Jeffers St, North Platte, NE 69101Directions
- Sutherland Branch131 Walnut St, Sutherland, NE 69165Directions
Ogallala area · 1
- Adams Bank & TrustMain office315 N Spruce St, Ogallala, NE 69153Directions
Brule area · 1
- Brule Branch202 State St, Brule, NE 69127Directions
Chappell area · 1
- Chappell Branch641 2nd St, Chappell, NE 69129Directions
Grant area · 1
- Grant Branch150 Central Ave, Grant, NE 69140Directions
Imperial area · 1
- Imperial Branch545 Broadway, Imperial, NE 69033Directions
Indianola area · 1
- Indianola Branch205 N 4th St, Indianola, NE 69034Directions
Lodgepole area · 1
- Lodgepole Branch702 Sheldon St, Lodgepole, NE 69149Directions
Madrid area · 1
- Madrid Branch108 S Perkins Ave, Madrid, NE 69150Directions
Colorado
10 branches
Fort Collins area · 3
- Berthoud Branch1201 Lake Ave, Berthoud, CO 80513Directions
- 7800 South College Avenue Branch7800 S College Ave, Fort Collins, CO 80525Directions
- Remington Branch148 Remington St, Fort Collins, CO 80524Directions
Colorado Springs area · 3
- Cheyenne Mountain Branch265 E Cheyenne Mountain Blvd, Colorado Springs, CO 80906Directions
- Garden Of The Gods Branch1310 Garden Of The Gods Rd, Colorado Springs, CO 80907Directions
- Interquest Branch1359 Interquest Pkwy, Colorado Springs, CO 80921Directions
Greeley area · 3
- Firestone Branch8308 Colorado Blvd, Firestone, CO 80504Directions
- Greeley Branch7251 W 20th Street, Greeley, CO 80634Directions
- Windsor Branch1270 Automation Dr, Windsor, CO 80550Directions
Boulder area · 1
- Longmont Branch10 Ken Pratt Blvd, Longmont, CO 80501Directions
Arizona
1 branch
- Prescott Valley Branch1344 N Prescott Country Club Blvd, Dewey, AZ 86327Directions
Kansas
1 branch
- Colby Branch1005 S Range Ave, Colby, KS 67701Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.11% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.55% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.32% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalLeverage ratio14.11%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.55%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.32%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Adams Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.