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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Adams Bank & Trust Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Adams Bank & Trust's 6-Months 6-MONTH CD rates are at 3.80%, 30-Months 30-MONTH UPGRADE CD rates are at 3.79%, 6-Months 6-MONTH CD rates are at 2.75%, 30-Months 30-MONTH UPGRADE CD rates are at 2.69%. Adams Bank & Trust's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Adams Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates last updated and verified on 08/28/2026. Adams Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Adams Bank & Trust? Share your experience about Adams Bank & Trust by leaving a review below, or read customer reviews before you decide to use Adams Bank & Trust. 
Adams Bank & Trust CD Rates
Adams Bank & Trust Savings Rates
Adams Bank & Trust Money Market Rates
Adams Bank & Trust Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Adams Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Adams Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Adams Bank & Trust's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Adams Bank & Trust
Bank Holding Company
ADAGE LLC
Address
315 N Spruce St,
Ogallala, NE 69153 · Keith
Website
https://www.abtbank.com
FDIC Certificate #
18489
Established
02/26/1962
FDIC Insurance Date
02/26/1962
Domestic Offices
22
Total Branches
22
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.03%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.2890%
Return on Equity (ROE)
12.6500%
Non-Performing Loans (NPL)
0.11%
Total Assets
$1,340,848,000
Total Deposits
$1,139,261,000
Equity Capital
$179,608,000
Net Income
$16,106,000
Headquarters
Ogallala
Total Branches and Offices
22
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Adams Bank & TrustHow many branches does Adams Bank & Trust operate?Adams Bank & Trust currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Adams Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Adams Bank & Trust provides members with tools to manage their accounts and build a solid financial history. Does Adams Bank & Trust offer online and mobile banking?Most modern institutions like Adams Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.abtbank.com. Current Adams Bank & Trust Rates
Retrieved from our database of financial products. Rates subject to change.
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