Adams Bank & Trust

What Adams Bank & Trust does

Adams Bank & Trust is a privately held, family-owned community bank founded in 1916 in Lemoyne, Nebraska, and now headquartered in Ogallala. The bank operates 23 branches across four states (Nebraska, Colorado, Kansas, and Arizona), serving consumers, small to mid-sized businesses, agricultural operators, mortgage customers, and trust/wealth clients with over $1.3 billion in assets. It is currently in its fifth generation of family leadership following the November 2025 succession that installed Jessop B. Adams as CEO and Amanda A. Hoover as CFO, with Chad S. Adams as Chairman.

The bank's product suite covers personal checking, savings, and certificates of deposit; consumer and mortgage loans including FHA and construction products; commercial and SBA lending; specialized agricultural lending for farm operators; treasury management with Positive Pay; and a Trust Department operating since 1967. Distribution combines physical branches, digital channels (mobile app on iOS and Android, Retail and Business Online Banking, AdamsAlerts notification system), and partner channels including Raymond James Financial Services for investments and the wholly-owned Adams Insurance Advisors for insurance. Technology infrastructure is built on Fiserv, supporting mobile banking, online banking, and treasury management, with supplementary tools such as the BaZing discount network, AI-powered fraud detection, and Ag Updates market intelligence content.

Revenue is generated primarily through net interest income on the loan portfolio (personal, mortgage, commercial, SBA, and agricultural lending) supplemented by fee-based income from treasury management, trust services, and other banking service charges. The bank does not publicly disclose pricing or specific rate sheets; loan and deposit rates are set at the branch level based on product, term, and customer qualifications. Customer acquisition relies on a community-oriented, relationship-driven model supported by content marketing, fraud-prevention education, video tutorials, social media presence on Facebook and LinkedIn, and active community involvement programs including financial literacy initiatives and youth sports sponsorship.

Name

Adams Bank & Trust

Legal name

Adams Bank & Trust

Website

https://abtbank.com

Company type

Private

Founded year

1916

Operating status

Operating

Headcount range

101–250 employees

Short description

Adams Bank & Trust is a fifth-generation, family-owned community bank founded in 1916, operating 23 branches across Nebraska, Colorado, Kansas, and Arizona with over $1.3 billion in assets, offering personal, business, agricultural, mortgage, and trust banking services to consumers, SMBs, and farm operators.

Ownership category

akta.pro rank

Headquarters

HQ city

Ogallala

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including personal loans, mortgages, business loans, agricultural loans, and commercial lending. The bank grew from $110 million to over $1 billion in assets under CEO Todd Adams's leadership.
2. Fee-Based Services: Non-interest income from service fees, treasury management fees, trust services fees, and other banking service charges.
3. Trust and Wealth Management: Revenue from trust services including estate planning, asset management, investment and retirement planning, and corporate trustee services offered for over 50 years since 1967.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Adams Bank & Trust is a family-owned community bank that provides deposit accounts, consumer and mortgage loans, commercial and SBA lending, agricultural lending, treasury management, and trust and estate services through approximately 23 branches across Nebraska, Colorado, Kansas, and Arizona. The bank supplements its in-branch relationship banking with Fiserv-powered mobile and online banking, fraud protection tools, and affiliated insurance and investment distribution through Adams Insurance Advisors and Raymond James Financial Services.

Product overview

Adams Bank & Trust is a family-owned community bank offering a comprehensive suite of banking products and services across personal, business, mortgage, agricultural, trust, insurance, and investment categories. The core offerings include personal checking and savings accounts, certificates of deposit, and personal loans on the consumer side; business checking/savings, treasury management, business loans, SBA lending, and commercial lending for business customers; mortgage loans with various programs including conventional, FHA, VA, and adjustable rate options; agricultural lending and farm banking services; trust and estate services (established 1967); and insurance and investment services through sister agencies. The bank supplements its core products with digital banking tools including a mobile app, AdamsAlerts notification system, and BaZing discount network. Additional educational resources include fraud detection education, video tutorials, and agricultural market updates. The institution operates across Nebraska, Colorado, Kansas, and Arizona with 23 locations and serves over $1.3 billion in assets.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking accounts for individual customers to manage everyday banking needs, offered alongside savings and convenience services.
• Personal Savings Savings accounts for individuals to deposit and grow funds securely within the bank's consumer deposit product line.
• Certificates of Deposit Time deposit accounts with fixed terms and interest rates for consumer savings growth within the personal banking portfolio.
• Personal Loans Loan products for individual consumer borrowing needs, offered through the bank's consumer lending unit.
• Personal Convenience Services Additional banking convenience features for personal banking customers, including BaZing discount network access, mobile banking, and other value-added services.
• Business Checking & Savings Commercial deposit accounts for businesses to manage operational funds and reserves across the bank's commercial banking product line.
• Treasury Management Cash management and payment processing services for businesses, including Positive Pay fraud protection, ACH processing, and broader business banking tools.
• Agricultural Lending Agricultural lending products tailored for farmers and ranchers, including farm operating lines, equipment financing, and land acquisition loans, anchored by the bank's 100+ year ag-banking heritage.
• Business Loans Commercial lending products including term loans and lines of credit for business expansion, operations, and working capital needs.
• SBA Lending Small Business Administration loan programs including SBA 7(a) and other government-backed commercial loans for qualifying small businesses.
• Mortgage Loans Home purchase and refinance mortgage loans including conventional, FHA, VA, and adjustable rate mortgage products for residential borrowers.
• Trust Services Personal trust and estate settlement services including revocable, irrevocable, charitable, special needs, and life insurance trusts, plus corporate trustee services offered by the Trust Department since 1967.
• Adams Insurance Advisors Insurance products and advisory services offered through Adams Bank & Trust's sister agency, providing policy reviews and coverage solutions to bank customers.
• Raymond James Financial Services Investment services and financial planning offered through a partnership with Raymond James Financial Services, including stocks, bonds, mutual funds, and other investment products for bank customers.

Quantifiable outcome

• Customer business increased profit margin by 15% in 2022 through business loan consolidation

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• FiservcoreTechnology or IntegrationFiserv provides the core technology infrastructure powering Adams Bank & Trust's mobile banking app and online banking platforms (Retail and Business Online Banking). Fiserv is a leading financial services technology company.
• Raymond James Financial ServicescoreGTM or Marketing PartnerRaymond James Financial Services provides investment services to AB&T customers through a partnership arrangement, offering stocks, bonds, mutual funds, and other investment products to bank customers.
• Adams Insurance AdvisorscoreOthersAdams Insurance Advisors is a sister agency to Adams Bank & Trust providing insurance products and advisory services. The agencies work together to provide comprehensive financial services including insurance policy reviews.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Wintrust Financial: Chicago-based regional bank holding company with comparable community-bank subsidiary model, multi-product household strategy, and wealth management/trust integration similar to AB&T's Raymond James and Adams Insurance Advisors arrangements.
• Glacier Bancorp: Montana-headquartered regional bank holding company operating across the Mountain West and Midwest (including Bank of Colorado) with overlapping agricultural and small-business lending footprint.
• UMB Financial Corporation: Kansas City-based regional bank holding company with comparable commercial, ag, and treasury management capabilities across Midwest markets, operating at significantly larger scale.
• First Interstate BancSystem: Montana-based regional bank holding company with strong Mountain West and Midwest presence and significant agricultural lending concentration, a broader incumbent in adjacent markets.

Direct peers

• FirstBank: Lakewood, Colorado-based community bank with similar multi-billion asset scale, strong small-business and consumer banking focus, and comparable geographic overlap in Colorado markets.
• Mutual of Omaha Bank: Nebraska-headquartered community/regional bank with overlapping Midwest presence, comparable personal/business banking product suite, and similar insurance-adjacent ecosystem positioning.
• Stock Yards Bancorp: Louisville, Kentucky-based mid-size community bank holding company focused on relationship-based commercial and consumer banking, comparable size, and similar community-bank franchise model.
• Platte Valley Bank: Nebraska-rooted community bank serving similar rural/agricultural markets in the same state, with comparable relationship-banking model and small-business/ag lending franchise.
• Heartland Tri-State Bank: Elkhart, Kansas-based community bank of comparable size with similar agricultural lending orientation and rural Midwest customer base, making it a direct geographic and product peer.
• Pinnacle Financial Partners: Tennessee-based regional bank holding company of similar asset scale focused on relationship-based commercial and consumer banking, comparable business model emphasis despite different geography.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AdamsBankTrust
• LinkedInlinkedin.com/company/adams-bank-trust

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Adams Bank & Trust