🏦Bank Scorer

ADAMS BANK & TRUST

OGALLALA, NE · Supervised by FDIC

Est. 1962FDIC #18,489RSSD: FDIC-18489
Part ofADAGE LLC→ View all charters
Outstanding Same

Current rating · Exam: November 1992

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.40%

Institution Profile

FDIC BankFind

Address

315 N Spruce St, OGALLALA, NE

County

Keith County

Established

February 26, 1962

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 1992

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 33 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$886M

Net Income

$5M

ROA

1.40%

ROE

10.38%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate15.64%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202435868.72%15.64%
202343870.32%9.13%
202248076.88%10.63%
202194674.84%11.84%
20201,03274.81%11.92%
201962580%8.48%
201853481.46%9.18%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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