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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Adams, NE · FDIC certificate #9812
ADAMS STATE BANK is an FDIC-insured institution based in Adams, NE (FDIC certificate #9812). In its Q3 2026 Call Report it reported total assets of $71M, total deposits of $55M and net loans of $52M. Its primary federal regulator is FDIC.
Plain-language readout
ADAMS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $71M in Q3 2026 and were lowest at $70M in Q2 2026.
Total deposits were highest at $55M in Q3 2026 and lowest at $54M in Q1 2026.
Over the whole period total assets rose 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $71M | $55M | $52M | 1.57% | 10.12% | 3.92% |
| Q2 2026 | $70M | $54M | $49M | 1.59% | 10.21% | 3.74% |
| Q1 2026 | $71M | $54M | $49M | 1.17% | 7.56% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.2M | $3.3M | -$32K | -1.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $11.0M | $11.0M | -$76K | -0.7% |
| Equity securities with readily determinable fair values, not held for trading | $5.0M | $4.7M | +$341K | +7.3% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $48.9M | $49.5M | -$596K | -1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $600K | $611K | -$11K | -1.8% |
| 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 | $1.5M | $1.6M | -$90K | -5.7% |
| Total assets | $70.2M | $70.6M | -$464K | -0.7% |
| Liabilities | ||||
| Total deposits | $54.2M | $54.1M | +$148K | +0.3% |
| 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 | $4.8M | $5.5M | -$761K | -13.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $129K | $132K | -$3K | -2.3% |
| Total liabilities | $59.1M | $59.7M | -$616K | -1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $3.2M | $3.1M | +$130K | +4.3% |
| Accumulated other comprehensive income | -$247K | -$269K | +$22K | +8.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.0M | $10.9M | +$152K | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $44K | $93K | -$49K | -52.7% |
| Adjusted nonperforming assets | $44K | $93K | -$49K | -52.7% |
| Tangible equity plus allowance | $11.4M | $11.2M | +$152K | +1.4% |
| Texas ratio (gross) | 0.39% | 0.83% | -0.44 pts | See points |
| Texas ratio (adjusted) | 0.39% | 0.83% | -0.44 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.39% | 0.83% | -0.44 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 16.62% | 16.14% | +0.48 pts | See points |
| Construction and land loans to total capital | 1.07% | 2.61% | -1.54 pts | See points |
| Commercial real estate to total capital | 1.07% | 2.61% | -1.54 pts | See points |
| Dividend payout, year to date | 59.78% | 54.63% | +5.15 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.19% | -2.41% | +0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $47.9M | $48.1M | -$211K | -0.4% |
| Non-core funding | $11.1M | $11.5M | -$402K | -3.5% |
| Loans to core deposits | 102.80% | 103.59% | -0.79 pts | See points |
| Loans to deposits | 90.73% | 92.08% | -1.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 49.01% | 48.63% | +0.38 pts | See points |
| Loans pledged, share of loans | 15.57% | 12.56% | +3.01 pts | See points |
| Volatile liabilities | $11.1M | $11.5M | -$402K | -3.5% |
| Earnings | ||||
| Earnings before provision, year to date | $613K | $257K | +$356K | +138.5% |
| Earnings before provision, single quarter | $356K | $257K | +$99K | +38.5% |
| Provision for credit losses, year to date | $49K | $52K | -$3K | -5.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.53% | 6.80% | -0.27 pts | See points |
| Yield on interest-bearing balances due from banks | 1.03% | 0.97% | +0.06 pts | See points |
| Total interest income to average assets | 5.35% | 5.38% | -0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.54% | 0.50% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.88% | 0.85% | +0.03 pts | See points |
| Cost of time deposits | 3.44% | 3.76% | -0.32 pts | See points |
| Total interest expense to average assets | 1.66% | 1.77% | -0.10 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 | $71M | $55M | $52M | 1.57% | 10.12% | 3.92% |
| 2026-06-30 | $70M | $54M | $49M | 1.59% | 10.21% | 3.74% |
| 2026-03-31 | $71M | $54M | $49M | 1.17% | 7.56% | 3.73% |
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 | $52.8M | 0.06% | 135 | 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.