BlastPoint's Banking Scorecard
Adams Bank & Trust
Designations: ✓ Community bank
Ogallala, NE
23 branches across NE · CO · AZ · KS
Adams Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.96% above tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34.3% in tier
- - Flatlined Growth: Bottom 47.3% in tier
- - Efficiency Ratio 2.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-0.7% YoY
-0.9% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$886.2M
+6.9% YoY
+0.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$1.1B
+2.6% YoY
-0.5% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
1.40%
+27.4% YoY
+16.2% QoQ
|
+0.04% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.78%
+5.6% YoY
-0.2% QoQ
|
+0.96% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.4% in tier |
| Efficiency Ratio ? |
63.51%
-0.7% YoY
+3.1% QoQ
|
+2.45% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.32%
+60.9% YoY
+23.8% QoQ
|
-0.57% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
78.19%
+4.2% YoY
+0.8% QoQ
|
-6.02% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
16.17%
-4.1% YoY
-1.2% QoQ
|
-5.12% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.07%
+36.2% YoY
+37.7% QoQ
|
+0.39% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.62%
+10.1% YoY
-1.2% QoQ
|
-1.54% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.12%
+5.6% YoY
-77.0% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
39% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.