BlastPoint's Banking Scorecard
Adams Bank & Trust
Community
Specialty: Agricultural
NE
FDIC cert 18489
Ogallala, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Adams Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.12% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3% in Community
- - Deposit Outflow: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-3.6% YoY
+3.5% QoQ
|
-$50.6M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$883.7M
+4.5% YoY
+3.0% QoQ
|
-$91.8M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$1.1B
-1.1% YoY
+4.4% QoQ
|
-$25.3M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.21%
+60.6% YoY
+27.3% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
4.79%
+10.2% YoY
+0.0% QoQ
|
+1.12% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
61.61%
-3.2% YoY
-0.7% QoQ
|
-1.02% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.26%
-4.3% YoY
+93.2% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
77.56%
+5.6% YoY
-1.3% QoQ
|
-5.50% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
16.36%
-7.2% YoY
-4.6% QoQ
|
-4.68% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.77%
-7.5% YoY
+61.9% QoQ
|
+0.28% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.51%
+18.0% YoY
+37.3% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.79%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Capital Thin
risk
#15 of 432 · Bottom 3% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#100 of 248 · Bottom 40% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.66%
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.56% · Tier avg: 83.06%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
63
63th pctile
Total Loans
Current: $883.7M · Tier avg: $975.5M
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
52
52th pctile
Efficiency Ratio
Current: 61.61% · Tier avg: 62.63%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.36% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
Top Weaknesses
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.36% · Tier avg: 21.05%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
52
52th pctile
Efficiency Ratio
Current: 61.61% · Tier avg: 62.63%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
63
63th pctile
Total Loans
Current: $883.7M · Tier avg: $975.5M
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.56% · Tier avg: 83.06%
92
92th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.66%