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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Adams Bank & Trust Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Adams Bank & Trust's 6-Month CD rates are at 4.00%, 30-Month Upgrade CD rates are at 3.93%, 36-Month FIXED IRA rates are at 2.80%, 36-Month VARIABLE IRA rates are at 2.80%, 18-Month FIXED IRA rates are at 2.75%. Adams Bank & Trust's savings rates are at 1.50%. Adams Bank & Trust's checking rates are as high as 2.00%. Adams Bank & Trust's top CD rate of 4.00% APY on a 6 month CD is 43% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Adams Bank & Trust with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.02%. Rates last updated and verified on 11/05/2026.
Adams Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Adams Bank & Trust? Share your experience about Adams Bank & Trust by leaving a review below, or read customer reviews before you decide to use Adams Bank & Trust.
Adams Bank & Trust has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Adams Bank & Trust has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
10.02%
ExcellentHigher than avg
Adams Bank & Trust Texas Ratio
Adams Bank & Trust's Texas Ratio is 10.02%, which is considered excellent and is higher than the national average of 5.85%.
Adams Bank & Trust has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.03% to 10.02% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Adams Bank & Trust CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
6-Month CD
-
4.00%
6 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000.00 and up
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 20, 20264.00%▲ from 3.80%
Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
30-Month Upgrade CD
-
3.93%
30 months
$2,500
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 and up; Interest rate may be upgraded twice during the term; additional deposits of at least $500 allowed at upgrade; early withdrawal penalty equal to six months interest may apply
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.79% → 3.93% ▲ 0.14 pts · high 3.93% / low 3.79%
Oct 20, 20263.93%▲ from 3.79%
Sep 14, 20263.79%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
6-Month CD
-
2.90%
6 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: $0.00 - $9,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75%
Oct 20, 20262.90%▲ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
36-MONTH FIXED IRA
2.77%
2.80%
36 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: $0 - $9,999.99; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 2.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
36-MONTH VARIABLE IRA
2.77%
2.80%
36 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: $0 - $9,999.99; Early withdrawal penalty may apply; Rate may change after account opening
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 2.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
30-Month Upgrade CD
-
2.79%
30 months
$2,500
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0.00 - $9,999.99; Interest rate may be upgraded twice during the term; additional deposits of at least $500 allowed at upgrade; early withdrawal penalty equal to six months interest may apply
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.69% → 2.79% ▲ 0.10 pts · high 2.79% / low 2.69%
Oct 20, 20262.79%▲ from 2.69%
Sep 14, 20262.69%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
18-MONTH FIXED IRA
2.72%
2.75%
18 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: $0 - $9,999.99; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
18-MONTH VARIABLE IRA
2.72%
2.75%
18 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: $0 - $9,999.99; Early withdrawal penalty may apply; Rate may change after account opening
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
Adams Bank & Trust Savings Rates
Product
Rate
APY
View More
CHRISTMAS CLUB
2.00%
2.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $0 - $10,000.99
Last Updated11/05/2026
Rate History
1 change since Sep 27, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
Oct 20, 20262.00%▲ from 1.50%
Sep 27, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
1.49%
1.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
1.49%
1.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
HEALTH SAVINGS FAMILY
1.29%
1.30%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
HEALTH SAVINGS INDIVIDUAL
1.29%
1.30%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
1.10%
1.10%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
1.10%
1.10%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.65%
0.65%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
HEALTH SAVINGS FAMILY
0.65%
0.65%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
HEALTH SAVINGS INDIVIDUAL
0.65%
0.65%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.65%
0.65%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.25%
0.25%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.25%
0.25%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.20%
0.20%
Min Deposit$100
Min Balance$1,500
DetailsBalance: $1,500.00 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.20%
0.20%
Min Deposit$100
Min Balance$1,500
DetailsBalance: $1,500.00 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $1,499.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $1,499.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CHRISTMAS CLUB
0.00%
0.00%
Min Deposit$0
Min Balance$10,001
DetailsBalance: $10,001.00 and over
Last Updated11/05/2026
Rate History
1 change since Sep 27, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
Oct 20, 20262.00%▲ from 1.50%
Sep 27, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
Adams Bank & Trust Money Market Rates
Product
Rate
APY
View More
CONSUMER MONEY MARKET SAVINGS
1.49%
1.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
1.49%
1.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
1.10%
1.10%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
1.10%
1.10%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.65%
0.65%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.65%
0.65%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.25%
0.25%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.25%
0.25%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.20%
0.20%
Min Deposit$100
Min Balance$1,500
DetailsBalance: $1,500.00 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.20%
0.20%
Min Deposit$100
Min Balance$1,500
DetailsBalance: $1,500.00 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
CONSUMER MONEY MARKET SAVINGS
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $1,499.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
NON-CONSUMER MONEY MARKET SAVINGS
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $1,499.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
Adams Bank & Trust Checking Rates
Product
Rate
APY
View More
SUPERSMART E-CHECKING (QUALIFIED)
1.98%
2.00%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $25,000.99; Qualifying balance up to $25,000.00
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
INTEREST CHECKING
1.49%
1.50%
Min Deposit$1,500
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
INTEREST CHECKING
0.80%
0.80%
Min Deposit$1,500
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
INTEREST CHECKING
0.50%
0.50%
Min Deposit$1,500
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
SUPERSMART E-CHECKING (NON-QUALIFIED)
0.50%
0.50%
Min Deposit$100
Min Balance$0
DetailsBalance: $0+
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
INTEREST CHECKING
0.40%
0.40%
Min Deposit$1,500
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
INTEREST CHECKING
0.10%
0.10%
Min Deposit$1,500
Min Balance$0
DetailsBalance: $0 - $1,499.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
Adams Bank & Trust Other Rates
Product
Rate
Points
APY/APR
Term
View More
BUSINESS INTEREST
0.10%
-
0.10%
Min Deposit$1,500
Min Balance$0
DetailsBalance: $0 - $1,499.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS INTEREST
0.40%
-
0.40%
Min Deposit$1,500
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS INTEREST
0.50%
-
0.50%
Min Deposit$1,500
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS INTEREST
0.80%
-
0.80%
Min Deposit$1,500
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS INTEREST
1.49%
-
1.50%
Min Deposit$1,500
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS PREMIER
0.10%
-
0.10%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS PREMIER
0.50%
-
0.50%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS PREMIER
0.80%
-
0.80%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS PREMIER
1.00%
-
1.00%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
BUSINESS PREMIER
1.50%
-
1.51%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
GO SMART 50
0.10%
-
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
GO SMART 50
0.65%
-
0.65%
Min Deposit$100
Min Balance$1,000
DetailsBalance: $1,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
PREMIER
0.10%
-
0.10%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
PREMIER
0.50%
-
0.50%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
PREMIER
0.80%
-
0.80%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
PREMIER
1.00%
-
1.00%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
PREMIER
1.50%
-
1.51%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.02%
Financial Health History
Adams Bank & Trust’s Texas Ratio rose from 1.03% in Q3 2023 to 10.02% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.3B
10.02%
5.0
A
March 31, 2026
$1.3B
7.39%
5.0
A
December 31, 2025
$1.3B
5.42%
5.0
A+
September 30, 2025
$1.3B
3.57%
5.0
A+
June 30, 2025
$1.3B
3.46%
5.0
A+
March 31, 2025
$1.3B
6.28%
5.0
A
December 31, 2024
$1.4B
7.20%
5.0
A
September 30, 2024
$1.4B
9.72%
5.0
A
June 30, 2024
$1.4B
8.77%
5.0
A
March 31, 2024
$1.4B
1.74%
5.0
A+
December 31, 2023
$1.4B
2.89%
5.0
A+
September 30, 2023
$1.4B
1.03%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Adams Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Adams Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Adams Bank & Trust's official website for the most current offers and terms.
Address
315 N Spruce St,
Ogallala, NE 69153 · Keith
Bank Holding CompanyADAGE LLC
FDIC Certificate #18489
RegulatorFED
EstablishedFebruary 26, 1962
FDIC Insurance DateFebruary 26, 1962
Domestic Offices23
Total Branches23
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.02%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3225%
Return on Equity (ROE)
9.6500%
Non-Performing Loans Ratio (NPL)
1.46%
Total Assets
$1,291,499,000
Total Deposits
$1,098,142,000
Equity Capital
$182,336,000
Net Income
$8,731,000
Headquarters
Ogallala
Total Branches and Offices
23
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Adams Bank & Trust earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Adams Bank & Trust
Frequently Asked Questions About Adams Bank & Trust
Does Adams Bank & Trust offer CDs?
Yes. Adams Bank & Trust current CD rates include its 6-Month CD at 4.00% APY, its 30-Month Upgrade CD at 3.93% APY and its 36-Month FIXED IRA CD at 2.80% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Adams Bank & Trust FDIC insured?
Yes. Adams Bank & Trust is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Adams Bank & Trust?
The highest Adams Bank & Trust CD rate is its 6-Month CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Adams Bank & Trust offer?
Adams Bank & Trust CD rates are 4.00% APY for a 6 month CD, 2.75% APY for an 18 month CD, 3.93% APY for a 30 month CD and 2.80% APY for a 3 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Adams Bank & Trust for its full lineup.
What is the highest savings rate at Adams Bank & Trust?
The highest Adams Bank & Trust savings rate is its HEALTH SAVINGS FAMILY at 1.30% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Adams Bank & Trust?
The highest Adams Bank & Trust money market rate is its CONSUMER MONEY MARKET SAVINGS at 1.50% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Adams Bank & Trust?
The highest Adams Bank & Trust checking rate is its SUPERSMART E-CHECKING (QUALIFIED) at 2.00% APY, verified by MonitorBankRates as of November 5, 2026.
How many branches does Adams Bank & Trust operate?
Adams Bank & Trust currently maintains approximately 23 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Adams Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Adams Bank & Trust provides members with tools to manage their accounts and build a solid financial history.
Does Adams Bank & Trust offer online and mobile banking?
Most modern institutions like Adams Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.abtbank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Adams Bank & Trust rates compare?
Adams Bank & Trust's top CD rate of 4.00% APY on a 6 month CD is 43% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A health rating. Adams Bank & Trust's top rates are its 6-Months 6-Month CD at 4.00% APY, its CONSUMER MONEY MARKET SAVINGS at 1.50% APY and its SUPERSMART E-CHECKING (QUALIFIED) at 2.00% APY, verified by MonitorBankRates on November 5, 2026.
Current Adams Bank & Trust Rates
18-Month CD2.75%
36-Month CD2.80%
Savings1.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
