20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 27, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 27, 2026
Call-report figures are for Adams Bank & Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Adams Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $263K in Q2 2026, 1.5% above the same quarter a year earlier ($259K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.1% from Q3 2025 to Q2 2026, to $263K.
$263K
Adams Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Adams Bank & Trust · $1.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Adams Bank & Trust(this institution) | Ogallala, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Century Bank | Santa Fe, NM | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Carolina National Bank | Myrtle Beach, SC | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dayspring Bank | Gothenburg, NE | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| FIDELITY BANK | New Orleans, LA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank of Alabama | Talladega, AL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bankers Trust Company, National Association | Quincy, IL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Harrison Bank | Corydon, IN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Eastpointe, MI | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| InBank | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Legacy National Bank | Springdale, AR | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Liberty National Bank | Lawton, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Martha's Vineyard Bank | Edgartown, MA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Midwest Bank | Pierce, NE | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| nbkc bank | Leawood, KS | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Community Bank | Winsted, CT | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Piedmont Federal Savings Bank | Winston Salem, NC | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pilot Grove Savings Bank | Pilot Grove, IA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank - Wyoming | Cody, WY | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Plains Commerce Bank | Sioux Falls, SD | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Platte Valley Bank | Scottsbluff, NE | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sabine State Bank and Trust Company | Many, LA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| University Bank | Ann Arbor, MI | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its five prices, against a peer median of $8.86 among 16 publishing peers.
Its five checking prices are $3, $6, $8, $8 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Adams Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $263K | −$9K | −3.3% |
| Q1 2026 | $272K | +$9K | +3.4% |
| Q4 2025 | $263K | −$3K | −1.1% |
| Q3 2025 | $266K | +$7K | +2.7% |
| Q2 2025 | $259K | −$10K | −3.7% |
| Q1 2025 | $269K | +$6K | +2.3% |
| Q4 2024 | $263K | −$2K | −0.8% |
| Q3 2024 | $265K | +$160K | +152.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Adams Bank & Trust’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per hour
per hour
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Gosmart Checking monthly service charge | $8 | per month | None |
| Interest Checking Monthly service charge | $10 | per month | None |
| Monthly Maintenance Fee | $3 | per month | None |
| Monthly service charge | $6 | per month | None |
| Monthly service charge | $8 | per month | None |
| Monthly Dormant Checking Account Fee | $15 | per month | None |
| Monthly Dormant Savings Account Fee | $15 | per month | None |
| Reconcile Checking Account per Hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research per Hour | $60Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly service fee with paper statements | $8 | per month | None |
| Returned Mail (per item) | $2.50Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF Paid Item Fee (each) | $35 | per item | None |
| NSF Return Item Fee (each) | $35 | per item | None |
| Daily Overdraft Fee | $30 | per day | None |
ATM & Card | |||
| Inquiry Fee at Non-Adams Bank ATMs | $2 | Not stated | None |
| Transfer Fee at Non-Adams Bank ATMs | $2 | Not stated | None |
| Withdrawal Fee at Non-Adams Bank ATMs | $2 | Not stated | None |
| Replacement of ATM/Visa Card | $15 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $20 | Not stated | None |
| Incoming Wire Transfer | $20 | Not stated | None |
| International Wires: Outgoing | $50 | Not stated | None |
| International Wires: Incoming | $40 | Not stated | None |
Check Services | |||
| Stop Payments (each) | $30 | per item | None |
Cash & Deposit | |||
| Charge Back Fee per Item | $7 | per item | None |
Account Services | |||
| Notary Fee | No charge | Not stated | None |
| 1 Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| 2 Lost Keys (Drilling Fee) | $200Not compared: Box drilling or key fee | Not stated | None |
| Levies and Garnishments | $75 | Not stated | None |
| Account Verification | $15 | Not stated | None |
Lending Fees | |||
| 30 Day Late Payment Charge | $10 | Not stated | None |
Retirement & IRA | |||
| One-time account establishment fee (IRA) | $50Not compared: One-time charge, not annual | one time | None |
| IRA Rollover or Transfer Fee | No charge | Not stated | None |
Other Fees | |||
| Duplicate Statements per Cycle | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopies | $0.25 | Not stated | None |
Oct 27, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Adams Bank & Trust operates, and what regulators and customers have on file.
In Fort Collins-Loveland, CO, Adams Bank & Trust holds 1.6% of bank deposits, #10 of 28, with 3 offices.
The fee comparison uses its home metro, Colorado Springs, CO.
122 offices of 40 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 28 institutions shown. $10.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.6% share, 3 offices, #10 of 28
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
31 offices of 14 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
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