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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kenesaw, NE · FDIC certificate #14311
ADAMS COUNTY BANK is an FDIC-insured institution based in Kenesaw, NE (FDIC certificate #14311). In its Q3 2026 Call Report it reported total assets of $250M, total deposits of $149M and net loans of $163M. Its primary federal regulator is FDIC.
Plain-language readout
ADAMS COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $250M in Q3 2026 and were lowest at $241M in Q2 2026.
Total deposits were highest at $157M in Q1 2026 and lowest at $149M in Q3 2026.
Over the whole period total assets rose 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $250M | $149M | $163M | 2.05% | 20.28% | 3.17% |
| Q2 2026 | $241M | $155M | $153M | 1.86% | 18.49% | 3.17% |
| Q1 2026 | $242M | $157M | $148M | 1.84% | 18.49% | 3.26% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.6M | $2.2M | +$1.4M | +62.2% |
| Federal funds sold | $5.0M | $14.6M | -$9.6M | -65.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $66.2M | $64.8M | +$1.3M | +2.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $153.4M | $147.9M | +$5.5M | +3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $708K | $731K | -$23K | -3.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.2M | $11.4M | +$830K | +7.3% |
| Total assets | $241.1M | $241.6M | -$511K | -0.2% |
| Liabilities | ||||
| Total deposits | $154.6M | $157.4M | -$2.8M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $59.9M | $58.7M | +$1.2M | +2.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $1.7M | +$77K | +4.5% |
| Total liabilities | $216.2M | $217.8M | -$1.6M | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $1.7M | $1.7M | $0K | 0.0% |
| Retained earnings | $26.4M | $25.2M | +$1.1M | +4.5% |
| Accumulated other comprehensive income | -$3.6M | -$3.5M | -$88K | -2.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.9M | $23.8M | +$1.0M | +4.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $4K | $0K | +$4K | n/a |
| Adjusted nonperforming assets | $4K | $0K | +$4K | n/a |
| Tangible equity plus allowance | $26.5M | $25.5M | +$1.0M | +4.1% |
| Texas ratio (gross) | 0.02% | 0.00% | +0.02 pts | See points |
| Texas ratio (adjusted) | 0.02% | 0.00% | +0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.02% | 0.00% | +0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.81% | 16.28% | +0.53 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.81% | 16.28% | +0.53 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.03% | 1.04% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.84% | 17.33% | +0.52 pts | See points |
| Tier 1 leverage (approximate) | 11.82% | 11.44% | +0.38 pts | See points |
| Construction and land loans to total capital | 3.39% | 4.80% | -1.41 pts | See points |
| Commercial real estate to total capital | 10.25% | 12.19% | -1.94 pts | See points |
| Dividend payout, year to date | 63.70% | 128.94% | -65.25 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.24% | -18.63% | +0.38 pts | See points |
| Liquidity | ||||
| Core deposits | $134.9M | $137.9M | -$3.0M | -2.2% |
| Non-core funding | $79.6M | $78.2M | +$1.4M | +1.8% |
| Loans to core deposits | 114.93% | 108.43% | +6.50 pts | See points |
| Loans to deposits | 100.31% | 95.03% | +5.27 pts | See points |
| Brokered deposits share of deposits | 2.53% | 2.48% | +0.04 pts | See points |
| Pledged securities share of securities | 88.15% | 85.33% | +2.82 pts | See points |
| Loans pledged, share of loans | 48.54% | 57.58% | -9.04 pts | See points |
| Volatile liabilities | $79.6M | $78.2M | +$1.4M | +1.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.2M | +102.5% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$28K | +2.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.87% | 5.78% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 27.03% | 3.90% | +23.13 pts | See points |
| Total interest income to average assets | 4.84% | 4.75% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.42% | 0.42% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.63% | 1.57% | +0.06 pts | See points |
| Cost of time deposits | 3.64% | 3.57% | +0.07 pts | See points |
| Total interest expense to average assets | 1.96% | 1.68% | +0.28 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $250M | $149M | $163M | 2.05% | 20.28% | 3.17% |
| 2026-06-30 | $241M | $155M | $153M | 1.86% | 18.49% | 3.17% |
| 2026-03-31 | $242M | $157M | $148M | 1.84% | 18.49% | 3.26% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $155.3M | 0.17% | 88 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.