Bank · FDIC insured
Adams State Bank
A $70.2M bank headquartered in Adams, NE, with 1 branch in Nebraska. Best rates: CDs 4.27% and savings 0.50% APY.
Adams State Bank Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#2 of 7 in Beatrice, NE metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Adams State Bank
Founded in 1918 in Adams, Nebraska, Adams State Bank serves the local community and surrounding agricultural area.
Started by Henry Gramann Sr. and Chris Hennies, Adams State Bank is a five-generation family bank.
- Headquarters
- 649 Main St, Adams, NE 68301
- FDIC certificate
- 9812 ↗
Branches
1 branch in Nebraska
Loading map…
Nebraska
1 branch
- Adams State BankMain office649 Main St, Adams, NE 68301Directions
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 | 16.62% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.09% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 1.59% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $91 | $67 | — |
- CapitalLeverage ratio16.62%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.09%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets1.59%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$91Peers’ middle $67
Compared with the 546 banks with under $100 million 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.