What are the current interest rates at Adams State Bank?

Current rates for Adams State Bank include: 12-Month CD: 3.70%, 18-Month CD: 3.44%, 24-Month CD: 4.00%, 36-Month CD: 3.30%, 48-Month CD: 3.30%, Savings: 0.50%

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Adams State Bank

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Adams State Bank Rates & Review September 2026

Q: How many branches does Adams State Bank operate?

Adams State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Adams State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Adams State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Adams State Bank's 24-Month Certificate of Deposit rates are at 4.00%, 9-Month Certificate of Deposit rates are at 3.85%, 12-Month Certificate of Deposit rates are at 3.70%, 6-Month Certificate of Deposit rates are at 3.55%, 14-Month Certificate of Deposit rates are at 3.44%. Adams State Bank's savings rates are at 0.50%. MonitorBankRates evaluates the financial stability of Adams State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 09/19/2026.

Adams State 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 State Bank? Share your experience about Adams State Bank by leaving a review below, or read customer reviews before you decide to use Adams State Bank.

Ranked #52 Healthiest Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Adams State Bank

649 Main St
Adams, NE 68301

https://www.adamsstate.com

Adams State Bank CD Rates

Product	Rate	APY	Term
24 Month Certificate of Deposit	3.94%	4.00%	24 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
9 Month Certificate of Deposit	3.80%	3.85%	9 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
12 Month Certificate of Deposit	3.65%	3.70%	12 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
6 Month Certificate of Deposit	3.50%	3.55%	6 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
14 Month Certificate of Deposit	3.40%	3.44%	14 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
15 Month Certificate of Deposit	3.40%	3.44%	15 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
18 Month Certificate of Deposit	3.40%	3.44%	18 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
30 Month Certificate of Deposit	3.40%	3.44%	30 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
36 Month Certificate of Deposit	3.25%	3.30%	36 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
42 Month Certificate of Deposit	3.25%	3.30%	42 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
48 Month Certificate of Deposit	3.25%	3.30%	48 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
3 Month Certificate of Deposit	0.75%	0.75%	3 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Adams State Bank Savings Rates

Product	Rate	APY	View More
Savings	0.50%	0.50%
Min Deposit $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Adams State Bank Checking Rates

Product	Rate	APY	View More
STUDENT CHECKING	0.50%	0.50%
Min Deposit $50 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Adams State Bank Other Rates

Product	Rate	Points	APY/APR
HSA	0.50%	-	0.50%
Min Balance $0 Details Balance: Under $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
HSA	1.00%	-	1.00%
Min Balance $0 Details Balance: Over $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
MMK	0.60%	-	0.60%
Min Balance $0 Details Balance: Over $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
MMK	0.25%	-	0.25%
Min Balance $0 Details Balance: Under $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
NOW	0.50%	-	0.50%
Min Balance $0 Details Balance: Over $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
NOW	0.25%	-	0.25%
Min Balance $0 Details Balance: Under $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
ROTH IRA TDOA	2.90%	-	2.92%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Super Now	0.60%	-	0.60%
Min Balance $0 Details Balance: Over $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Super Now	0.50%	-	0.50%
Min Balance $0 Details Balance: Under $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
TRADITIONAL IRA TDOA	2.90%	-	2.92%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Adams State Bank’s Texas Ratio stayed near 0.07% in Q3 2023 to 0.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$70M	0.40%	5.0	A+
March 31, 2026	$71M	0.85%	5.0	A+
December 31, 2025	$70M	0.18%	5.0	A+
September 30, 2025	$71M	0.57%	5.0	A+
June 30, 2025	$70M	0.23%	5.0	A+
March 31, 2025	$73M	0.80%	5.0	A+
December 31, 2024	$71M	0.65%	5.0	A+
September 30, 2024	$73M	0.22%	5.0	A+
June 30, 2024	$70M	0.59%	5.0	A+
March 31, 2024	$69M	0.03%	5.0	A+
December 31, 2023	$70M	0.03%	5.0	A+
September 30, 2023	$69M	0.07%	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 State 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 State 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 State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Adams State Bank

FDIC Certificate # 9812

Address 649 Main St, Adams, NE 68301 · Gage

Website https://www.adamsstate.com

Established 19180118

FDIC Insurance Date 19340101

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5887%

Return on Equity (ROE) 10.2100%

Non-Performing Loans (NPL) 0.06%

Total Assets $70,161,000

Total Deposits $54,249,000

Equity Capital $11,033,000

Net Income $557,000

Headquarters Adams

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Adams State Bank earned the Top 100 Healthiest 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/adams-state-bank-rates-review-9812">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #52 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Adams State Bank

How many branches does Adams State Bank operate?

Adams State Bank currently maintains approximately 1 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 State 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 State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Adams State Bank offer online and mobile banking?

Most modern institutions like Adams State 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.adamsstate.com.