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Advertiser Disclosure
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 Adams County Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: March 16, 2026
Adams County Bank's Certificate of Deposits (CDs) 6-Month rates are at 3.91%, Certificate of Deposits (CDs) 6-Month rates are at 3.80%, Certificate of Deposits (CDs) 12-Month rates are at 3.75%, Certificate of Deposits (CDs) 6-Month rates are at 3.70%, Certificate of Deposits (CDs) 12-Month rates are at 3.65%. Adams County Bank's savings rates are at 0.65%. Adams County Bank's money market rates are at 0.80%. MonitorBankRates evaluates the financial stability of Adams County Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.15%. Rates were last updated on 03/16/2026. Adams County Bank 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 County Bank? Share your experience about Adams County Bank by leaving a review below, or read customer reviews before you decide to use Adams County Bank. 
Adams County Bank CD Rates
Adams County Bank Savings Rates
Adams County Bank Money Market Rates
Adams County Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Adams County Bank 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 County Bank 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 County Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Adams County Bank
Bank Holding Company
FIRST KENESAW CO
Address
401 N Smith Ave,
Kenesaw, NE 68956 · Adams
Website
https://www.adamscountybank.net
FDIC Certificate #
14311
Established
01/01/1878
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.15%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.5079%
Return on Equity (ROE)
21.0800%
Non-Performing Loans (NPL)
0.01%
Total Assets
$240,243,000
Total Deposits
$148,645,000
Equity Capital
$24,147,000
Net Income
$3,368,000
Headquarters
Kenesaw
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Adams County BankIs Adams County Bank a safe place to deposit money?Yes, Adams County Bank is considered a safe financial institution. With a Texas Ratio of 0.14776287014599%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Adams County Bank operate?Adams County Bank currently maintains approximately 2 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 County Bank 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 County Bank provides members with tools to manage their accounts and build a solid financial history. Does Adams County Bank offer online and mobile banking?Most modern institutions like Adams County Bank 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.adamscountybank.net. Current Adams County Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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