Adams County Bank
Adams County Bank is a privately held Nebraska community bank, chartered in 1878, operating two branches in Kenesaw and Juniata to provide deposit accounts, agricultural, business, mortgage, and consumer lending to South-Central Nebraska customers, with investment and crop insurance products via LPL-affiliated subsidiaries.
- Company typePrivate
- Founded1878
- HeadquartersJuniata, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Adams County Bank does
Adams County Bank is a privately held community bank headquartered in Kenesaw, Nebraska, with a second branch in Juniata, serving the South-Central Nebraska market. Originally chartered in 1878, the bank operates under Nebraska state law, is FDIC insured, and has remained locally owned and controlled throughout its history, with explicit emphasis on local decision-making and relationship banking.
Its core product set spans deposit accounts (E-Checking, Regular Checking, Super NOW, Passbook Savings, Money Market) and Certificates of Deposit with tiered rates up to 3.91% APY on $150,000+ balances for 6-month terms. Lending products include agricultural loans (real estate, equipment, operating), business loans, residential mortgage loans, and consumer loans, supported by loan officers with over 130 years of combined experience. Non-deposit products — investment and insurance services, plus crop insurance — are delivered through ACB Group subsidiaries in association with LPL Financial.
The bank runs a proprietary Online Banking portal and a companion mobile application (iOS and Android) launched in November 2023, with Mobile Remote Deposit Capture and security via MFA and 128-bit SSL encryption. Surcharge-free ATM access is provided through the MoneyPass network. Distribution is concentrated in two physical branches with drive-up teller windows and 24-hour ATMs; the go-to-market model is relationship-led community banking with no public revenue or headcount disclosure. In January 2025, Neel Keiser was named President succeeding Mark Utter, who retires as CEO in April 2025.
Adams County Bank firmographics
Firmographics- Name
- Adams County Bank
- Legal name
- Adams County Bank
- Website
- https://adamscountybank.net
- Company type
- Private
- Founded year
- 1878
- Operating status
- Operating
- Short description
- Adams County Bank is a privately held Nebraska community bank, chartered in 1878, operating two branches in Kenesaw and Juniata to provide deposit accounts, agricultural, business, mortgage, and consumer lending to South-Central Nebraska customers, with investment and crop insurance products via LPL-affiliated subsidiaries.
- Ownership category
- akta.pro rank
Adams County Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Adams County Bank is headquartered
LocationHeadquarters
- HQ city
- Juniata
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Adams County Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Deposit Accounts: Checking accounts (E-Checking, Regular Checking, Super NOW), savings accounts, money market accounts generating deposits and fee income
- Certificates of Deposit (CDs): Term deposits with competitive rates ranging from 3-month to 60-month terms, with tiered rates based on deposit amount
- Agricultural Lending: Real estate, equipment, and operating loans for agricultural customers in South-Central Nebraska
- Business Lending: Loans for real estate, equipment/machinery, operating, and stock for business owners
- Mortgage Lending: Residential loans including new purchases, refinances, home additions/remodeling, and construction financing
- Consumer Lending: Vehicle loans, boats, campers/RVs, and personal loans
- Investments and Insurance: Securities and advisory services offered through LPL Financial partnership; insurance products through LPL affiliates
- Crop Insurance: ACB Group Crop Insurance provides crop insurance solutions tailored to agricultural operations
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | 3-month CD: 0.80% APY for $500+, 0.90% for $50K+, 1.00% for $150K+ |
| Subscription | Multi-year contract | 6-month CD: 3.65-3.91% APY depending on deposit tier |
| Subscription | Annual | 12-month CD: 3.50-3.75% APY depending on deposit tier |
| Subscription | Annual | 24-month CD: 3.40-3.65% APY depending on deposit tier |
| Subscription | Monthly | Money Market: 0.80-1.26% APY based on balance |
| Subscription | Monthly | E-Checking: FREE with $500+ average balance, $3.00 + 10¢/debit if below |
| Subscription | Monthly | Regular Checking: FREE at $1,000+, tiered pricing below |
| Subscription | Monthly | Super NOW: Maintenance $5.00, 10¢ per item paid, 6¢ per item deposited |
| Subscription | Quarterly | Passbook Savings: Interest bearing at variable rate |
| Unit Pricing | Pay-as-you-go | ATM withdrawals: $260/day limit |
| Unit Pricing | Pay-as-you-go | VISA Debit Card: $1,000/day limit ($260 for student cards) |
| Unit Pricing | Pay-as-you-go | Stop Payment: $15.00 per order |
| Unit Pricing | Pay-as-you-go | Wire Transfers: $15 outgoing domestic, $30 international |
| Unit Pricing | Pay-as-you-go | Safe Deposit Box Lock Drilling: $150.00 per box |
| Other | Multi-year contract | CD Promotion with Grill: 0.0% APY for promotional CDs |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Adams County Bank product offering
Product offeringCore offering
Adams County Bank is a locally owned community bank that provides traditional deposit products (checking, savings, money market, and certificates of deposit), consumer and residential mortgage loans, agricultural loans, and small business lending. The bank also offers investment, insurance, and crop insurance products through its ACB Group, and supports customers with digital banking, debit cards, and a MoneyPass ATM network.
Product overview
Adams County Bank is a full-service community bank offering a unified portfolio of traditional banking products and services. Its core offerings span deposit accounts (checking, savings, money market, CDs) and lending products (agricultural, business, mortgage, and consumer loans). Non-deposit investment and insurance products are delivered through ACB Group Investments and Insurance (powered by LPL Financial) and ACB Group Crop Insurance. Digital banking is centered on a proprietary Internet Banking portal and companion mobile app that bundles account access, Mobile Remote Deposit Capture, bill payment, and fund transfers, with security via MFA and 128-bit SSL. Surcharge-free ATM access is provided through the MoneyPass network. The bank operates two physical locations (Kenesaw and Juniata, Nebraska) and emphasizes local decision-making and personalized customer service.
Differentiator
Problem solved
Functional benefit
Brands
- ACB Group Investments and Insurance: Provides comprehensive financial planning services and investment and insurance solutions, offered in association with LPL Financial.
- ACB Group Crop Insurance
Products and services
- Deposit Accounts Checking, savings, money market, and other deposit products offered to individual and business customers in the bank's south-central Nebraska market.
- Certificates of Deposit (CDs) Interest-bearing time deposit accounts with fixed maturities available to consumer and business customers.
- Agricultural Loans Loans tailored to agricultural producers, including financing for cattle, crops, operations, equipment, and agricultural real estate.
- Business Loans Credit facilities extended to small and mid-sized businesses in the bank's service area.
- Residential Mortgage Loans Home purchase, new construction, and refinance mortgages for consumers, originated in partnership with C&F Mortgage.
- Consumer Loans Personal loans for autos, recreational vehicles, and other consumer needs offered to individuals in the bank's community.
- ACB Group Investments and Insurance Investment and insurance brokerage services offered through LPL Financial, providing wealth and risk management products to bank customers.
- ACB Group Crop Insurance Crop insurance products sold to agricultural producers to protect against yield and revenue losses.
- Internet Banking and Mobile App Online and mobile banking channels secured with multi-factor authentication and SSL encryption, allowing customers to access accounts, transfer funds, and pay bills.
- Visa Check Card Debit card linked to customer checking accounts for point-of-sale and ATM transactions.
Quantifiable outcome
- Over 145 years of continuous operation since 1878
- +1 more outcomes
Companies that use Adams County Bank
Customer profileSegments5 records
Ideal customer profiles5 records
Adams County Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Adams County Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LPL FinancialcoreACB Group Investments and Insurance, in association with LPL Financial, provides comprehensive financial planning services and investment and insurance solutions on-site at Adams County Bank. Securities and advisory services are offered through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. This creates a conflict of interest disclosure per regulatory requirements.
Scale indicators4 records
Recent moves8 records
Expansion highlights5 records
Adams County Bank competitors and assessment
Company assessmentBroad incumbents
- First National Bank of Omaha: Large Nebraska-based bank providing full commercial, ag, mortgage, and consumer banking across the state, representing the broader incumbent competitor Adams County Bank positions itself against on personal service.
- Pinnacle Bank: Nebraska-headquartered community bank with multiple branches across the state, offering a full suite of deposit, ag, commercial, mortgage, and treasury products - a broader incumbent against which Adams County Bank competes in adjacent geographies.
- American National Bank: Omaha-based regional bank with statewide Nebraska branch coverage offering deposit, ag, commercial, mortgage, and wealth services, serving overlapping rural and small-business customers.
Regional players
- Jones National Bank & Trust: Small Nebraska community bank offering deposit products, ag lending, and personal loans to comparable rural Nebraska customers, similar in scale and operating model to Adams County Bank.
- Henderson State Bank: Long-standing small-town community bank in Henderson, Nebraska, providing deposit and ag/consumer lending services to a comparable rural customer base in south-central Nebraska.
- Cornerstone Bank: York, Nebraska-based community bank offering deposit accounts, ag lending, mortgages, and consumer lending to rural Nebraska customers, directly comparable to Adams County Bank in scale, geography, and product mix.
- Heartland Bank: Geneva, Nebraska community bank with deposit accounts, agricultural, commercial, and consumer lending, targeting similar south-central Nebraska small-business and farm customers.
- Minden Exchange Bank & Trust: Kearney County community bank in Minden, Nebraska, providing deposit, ag, mortgage, and personal lending services to a similar rural south-central Nebraska customer base.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Adams County Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Adams County Bank leadership team
Management profileNumber of profiles
Profiles14 records
Adams County Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
Adams County Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Adams County Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Adams County Bank
What does Adams County Bank do?
Adams County Bank is a locally owned community bank that provides traditional deposit products (checking, savings, money market, and certificates of deposit), consumer and residential mortgage loans, agricultural loans, and small business lending. The bank also offers investment, insurance, and crop insurance products through its ACB Group, and supports customers with digital banking, debit cards, and a MoneyPass ATM network.
Is Adams County Bank a public or private company?
Adams County Bank is a private company. It is classified as family owned and is currently operating.
When was Adams County Bank founded?
Adams County Bank was founded in 1878.
Where is Adams County Bank based?
Adams County Bank is headquartered in Juniata, United States, in the North America region.
How does Adams County Bank make money?
Eight revenue lines are on record. Deposit Accounts are the primary driver. The others are certificates of Deposit (CDs), agricultural Lending, business Lending, mortgage Lending, consumer Lending, investments and Insurance and crop Insurance.
Who are Adams County Bank's main competitors?
Broad incumbents on record are First National Bank of Omaha, Pinnacle Bank and American National Bank. Regional players are Jones National Bank & Trust, Henderson State Bank, Cornerstone Bank, Heartland Bank and Minden Exchange Bank & Trust.
Does Adams County Bank have an API?
No public API is recorded for Adams County Bank.
What industry is Adams County Bank in?
Adams County Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.