Adams County Bank Rates and Review February 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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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%.
Rate Updates and AvailabilityAdams 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 Texas RatioAdams County Bank's Texas Ratio is at 0.15%, which is considered excellent. The Texas Ratio for Adams County Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Adams County Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Adams County Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Adams County Bank CD Rates
Adams County Bank Savings Rates
Adams County Bank Money Market 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 & OverviewAdams County Bank
401 N Smith AveKenesaw, NE 68956 Adams Established Date: 01/01/1878 FDIC Certificate #: 14311 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: FIRST KENESAW CO How Many Domestic U.S. Offices? 2 How Many Branches are There? 2 Website: https://www.adamscountybank.net
Is Adams County Bank FDIC Insured? Yes
What is Adams County Bank's Cert number? 14311
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$231,340,000
Total Deposits:
$149,606,000
Equity Capital:
$18,287,000
Net Income:
$711,000
Return on Assets (ROA):
1.5079%
Return on Equity (ROE):
21.0800%
Headquarters:
Kenesaw
Regulator:
FDIC
# of Offices:
2
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About Adams County BankHow do I open an account at Adams County Bank?You can typically open an account at Adams County Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Adams County Bank provides a range of mortgage and home equity products. Is Adams County Bank a safe place to deposit money?Yes, Adams County Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Adams County Bank offer online and mobile banking?Most modern institutions like Adams County Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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