Compared with Nebraska
11 of 19
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
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
33rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Nebraska median
of 19 compared; 5 below, 3 about the same
See the feesFee 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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Nebraska median | Published fees above the Nebraska 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 charges were 1.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (33rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
11 of 19 compared published fees sit above the Nebraska median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Nebraska medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $8, the middle of its prices
NSF / Returned Item
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. Its share of revenue, 1.5%, is below the 2.2% median for banks with $1B to $10B in assets.
$263K
Adams Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $10; we compare the midpoint.
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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Adams Bank & Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Adams Bank & Trust by share.
Amounts from Adams Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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 | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Interest Checking Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Dormant Checking Account Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Dormant Savings Account Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $8Above the U.S. middle 50% ($2 to $4.99 nationally) | 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) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Return Item Fee (each) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee | $30Above the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Inquiry Fee at Non-Adams Bank ATMs | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transfer Fee at Non-Adams Bank ATMs | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Withdrawal Fee at Non-Adams Bank ATMs | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of ATM/Visa Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wires: Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wires: Incoming | $40Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Stop Payments (each) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Charge Back Fee per Item | $7Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | 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 | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| 30 Day Late Payment Charge | $10Below the U.S. middle 50% ($15 to $25 nationally) | 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 chargeBelow the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statements per Cycle | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | 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.
Branch footprint
23 offices in 4 states, $1.1B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 12 | $679.0M |
| 3 | $169.2M | |
| 3 | $117.2M | |
| 3 | $92.4M | |
| 1 | $39.2M | |
| 1 | $1.0M |
Fort Collins-Loveland, CO
1.6% of bank deposits, #10 of 28, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First National Bank of Omaha | 21.7% |
| Wells Fargo Bank, National Association | 14.5% |
| JPMorgan Chase Bank, National Association | 12.5% |
| SouthState Bank, National Association | 9.5% |
| PNC Bank, National Association | 9.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.
Enforcement actions
1 past action
Past
Federal Reserve · Order
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.