Adams Bank&Trust (FDIC #18489): Bank Stress & Real-Estate Credit Exposure
Adams Bank&Trust (FDIC Cert #18489): bank stress 50/100, moderate, STABLE over 7 days; parent ADAGE LLC.
Adams Bank&Trust (#18489) lends in 13 counties across 4 states; Adams Bank&Trust (#18489) reaches 208 ZIP codes: Nebraska 7 counties, 45 ZIPs; Colorado 4 counties, 124 ZIPs; Arizona 1 county, 31 ZIPs; Kansas 1 county, 8 ZIPs.
Adams Bank&Trust (#18489) largest markets: El Paso County, CO (141 branches, 47 ZIPs) (#18489), Weld County, CO (129 branches, 43 ZIPs) (#18489), Yavapai County, AZ (31 branches, 31 ZIPs) (#18489), Larimer County, CO (72 branches, 24 ZIPs) (#18489), Boulder County, CO (23 branches, 23 ZIPs) (#18489), Lincoln County, NE (42 branches, 14 ZIPs) (#18489).
Adams Bank&Trust (#18489) reports $1.29 billion in total assets; Adams Bank&Trust (#18489) equity $182.3 million (14.1% of Adams Bank&Trust (#18489) assets); Adams Bank&Trust (#18489) domestic deposits $1.10 billion; Adams Bank&Trust (#18489) net income $8.7 million; Adams Bank&Trust (#18489) return on assets 1.32%; Adams Bank&Trust (#18489) return on equity 9.65%; Adams Bank&Trust (#18489) net interest income $30.5 million; Adams Bank&Trust (#18489) call report June 30, 2026.
Adams Bank&Trust (#18489) noncurrent real-estate loans: none reported; Adams Bank&Trust (#18489) net charge-offs on real estate 0.48%; Adams Bank&Trust (#18489) multifamily charge-offs 7.98%; Adams Bank&Trust (#18489) residential charge-offs 0.07%.
Adams Bank&Trust (#18489) net interest margin 4.83% against an eight-quarter Adams Bank&Trust (#18489) average of 4.63% (Adams Bank&Trust (#18489) compression -0.20 points); Adams Bank&Trust (#18489) non-residential real estate 6.9% of equity; Adams Bank&Trust (#18489) rate-exposure score 40/100, Adams Bank&Trust (#18489) fixed-rate trap 40/100; Adams Bank&Trust (#18489) risk type credit driven; Adams Bank&Trust (#18489) rate regime rates elevated, Adams Bank&Trust (#18489) snapshot October 20, 2026.
Adams Bank&Trust (#18489) stress score moved from 48.3 on June 22, 2026 to 49.6 on October 20, 2026; Adams Bank&Trust (#18489) ranged 48.3 to 49.6 over 117 snapshots.
Adams Bank&Trust (#18489) alerts: 13 counties; top Adams Bank&Trust (#18489) alert scores: Chappell County, NE 19 (low); Colby County, NE 19 (low); Colorado Springs County, NE 19 (low); Dewey County, NE 19 (low); Fort Collins County, NE 19 (low).