Adams Bank & Trust Mortgage Rates, Fees & Info

Ogallala, NE

LEI: 54930040GLSEV5H11Q12

Tax ID: 47-0467141

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Adams Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Adams Bank & Trust has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Colorado Springs, North Platte, Denver, Fort Collins, and Greeley among others. We have data for 34 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Adams Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Adams Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.63% 4/21/24
    30 Year Conventional Refi 6.25% 4/21/24
    30 Year Cash-out Refi 6.84% 4/21/24
    30 Year FHA Purchase 7.51% 4/21/24
    30 Year FHA Refi 6.91% 4/21/24
    30 Year VA Purchase 6.30% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    30 Year USDA Purchase 6.91% 4/21/24
    15 Year Conventional Purchase 7.02% 4/21/24
    15 Year Conventional Refi 6.41% 4/21/24
    15 Year Cash-out Refi 6.41% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Adams Bank & Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Adams Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    772

    Origination Dollar Volume (All Markets)

    $154,400,000

    Employee count

    208 Show all (18) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 267 $35,065,000 $131,330 $2,404 3.79%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 83 $26,445,000 $318,614 $3,574 3.30%
    North Platte, NE (FHA|USDA|VA) 179 $23,595,000 $131,816 $2,577 3.37%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 53 $19,135,000 $361,038 $3,064 3.13%
    FORT COLLINS, CO (FHA|USDA|VA) 53 $14,735,000 $278,019 $2,798 3.02%
    GREELEY, CO (FHA|USDA|VA) 26 $7,760,000 $298,462 $3,017 3.45%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 22 $7,080,000 $321,818 $3,917 4.45%
    BOULDER, CO (FHA|USDA|VA) 18 $5,360,000 $297,778 $2,815 2.87%
    LINCOLN, NE (FHA|USDA|VA) 11 $2,195,000 $199,545 $2,506 3.77%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $1,990,000 $199,000 $3,256 4.25%
    Breckenridge, CO (FHA|USDA|VA) 4 $1,810,000 $452,500 $3,527 2.88%
    PUEBLO, CO (FHA|USDA|VA) 4 $1,080,000 $270,000 $3,624 3.50%
    Sterling, CO (FHA|USDA|VA) 5 $1,015,000 $203,000 $2,773 3.22%
    Lexington, NE (FHA|USDA|VA) 6 $820,000 $136,667 $3,173 3.04%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $800,000 $200,000 $2,458 3.06%
    Kearney, NE (FHA|USDA|VA) 4 $680,000 $170,000 $2,409 3.53%
    Edwards, CO (FHA|USDA|VA) 1 $535,000 $535,000 $0 4.60%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $515,000 $515,000 $5,665 2.63%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $480,000 $240,000 $2,832 2.94%
    Scottsbluff, NE (FHA|USDA|VA) 4 $470,000 $117,500 $2,901 3.81%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $410,000 $205,000 $2,751 3.13%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $325,000 $325,000 $2,356 3.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,168 2.38%
    Cañon City, CO (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.75%
    TUCSON, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $3,907 3.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.75%
    Kerrville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,083 4.00%
    Spearfish, SD (FHA|USDA|VA) 1 $155,000 $155,000 $2,680 3.63%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,601 2.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,575 2.25%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $135,000 $135,000 $2,340 3.00%
    Great Bend, KS (FHA|USDA|VA) 1 $125,000 $125,000 $3,422 4.50%
    CHEYENNE, WY (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
    Columbus, NE (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
    Adams Bank & Trust's top markets include Colorado Springs, North Platte, Denver, Fort Collins, and Greeley among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Adams Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CENTRIS FEDERAL CREDIT UNION
    Similarity Rank: 70
    The District Federal Credit Union
    Similarity Rank: 441
    West Gate Bank
    Similarity Rank: 480
    DENVER COMMUNITY
    Similarity Rank: 732
    United Fidelity Bank, fsb
    Similarity Rank: 792
    AVENTA Credit Union
    Similarity Rank: 915
    LANDED HOME LOANS LLC
    Similarity Rank: 1040
    BLUE BRICK FINANCIAL LLC
    Similarity Rank: 1175
    FOOTHILLS
    Similarity Rank: 1336
    WHITE CROWN FEDERAL CREDIT UNION
    Similarity Rank: 2260

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 706 $143,630,000 $203,442 $2,562 3.55%
    FHA 29 $3,575,000 $123,276 $5,010 3.10%
    USDA 19 $2,065,000 $108,684 $4,176 3.18%
    VA 18 $5,130,000 $285,000 $4,331 2.77%

    For 2020, Adams Bank & Trust's most frequently originated type of loan was Conventional, with 706 originations. Their 2nd most popular type was FHA, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 333 $56,275,000 $168,994 $3,271 3.76%
    Refi 292 $69,770,000 $238,938 $2,397 3.27%
    Cash Out Refi 117 $25,515,000 $218,077 $2,711 3.12%
    Home Improvement 15 $785,000 $52,333 $1,044 3.97%
    Other 15 $2,055,000 $137,000 $1,516 5.13%

    For 2020, Adams Bank & Trust's most frequently cited loan purpose was Home Purchase, with 333 originations. The 2nd most popular reason was Refi, with 292 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 408 $95,540,000 $234,167 $3,052 3.05%
    15 Year 105 $14,135,000 $134,619 $2,180 3.28%
    Other 97 $18,945,000 $195,309 $2,844 4.30%
    10 Year 70 $9,980,000 $142,571 $911 3.76%
    20 Year 44 $5,530,000 $125,682 $2,112 4.13%
    1 Year 36 $8,870,000 $246,389 $3,780 5.59%
    5 Year 12 $1,400,000 $116,667 $1,195 4.76%

    For 2020, Adams Bank & Trust's most frequently cited loan duration was 30 Year, with 408 originations. The 2nd most popular length was 15 Year, with 105 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 525 $109,935,000 $209,400
    $<1k 93 $5,525,000 $59,409
    $2k-3k 41 $11,915,000 $290,610
    $3k-4k 11 $5,075,000 $461,364
    $5k+ 5 $2,785,000 $557,000
    $4k-5k 4 $1,300,000 $325,000

    Adams Bank & Trust's average total fees were $3,052, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 525 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 253 $49,045,000 $193,854
    2.5-3% 218 $49,580,000 $227,431
    4-5% 145 $20,785,000 $143,345
    <2.5% 99 $22,095,000 $223,182
    5-6% 55 $12,815,000 $233,000
    6-7% 2 $80,000 $40,000

    During 2020, Adams Bank & Trust's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 3-4%, with 253 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 236 $33,930,000 $143,771 $2,846 3.37%
    $200k-400k 236 $66,110,000 $280,127 $3,036 3.31%
    $100,000 or less 222 $13,560,000 $61,081 $1,825 3.91%
    $400k-600k 68 $32,340,000 $475,588 $3,717 3.10%
    $600k-1MM 8 $5,300,000 $662,500 $8,213 5.21%
    $1MM+ 2 $3,160,000 $1,580,000 $0 4.81%

    2020 saw Adams Bank & Trust place emphasis on $100k-200k loans with 236 originations, totaling $33,930,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 156 $14,810,000 $94,936 $2,457 3.36%
    $100k-150k 143 $32,255,000 $225,559 $2,641 3.32%
    $50k-75k 139 $23,105,000 $166,223 $2,780 3.36%
    $75k-100k 106 $19,360,000 $182,642 $2,584 3.38%
    $150k-250k 105 $29,805,000 $283,857 $2,984 3.27%
    $250k+ 50 $17,140,000 $342,800 $3,472 3.59%

    Adams Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 156 originations. The second most popular income band? $100k-150k, with 143 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 199 $39,175,000 $196,859 $2,514 3.25%
    30-36% 116 $22,700,000 $195,690 $2,890 3.25%
    <20% 97 $19,215,000 $198,093 $2,448 3.36%
    40% 37 $6,685,000 $180,676 $2,709 3.10%
    39% 31 $5,785,000 $186,613 $2,725 3.44%
    42% 29 $5,525,000 $190,517 $2,953 3.40%
    43% 22 $4,790,000 $217,727 $2,632 3.62%
    41% 21 $4,755,000 $226,429 $2,822 3.39%
    37% 16 $2,580,000 $161,250 $2,994 3.59%
    36% 16 $3,510,000 $219,375 $2,998 3.28%
    45% 15 $2,135,000 $142,333 $2,617 3.44%
    38% 14 $3,490,000 $249,286 $3,597 3.44%
    44% 13 $2,555,000 $196,538 $2,738 3.07%
    49% 12 $2,520,000 $210,000 $3,112 2.81%
    46% 10 $2,250,000 $225,000 $3,138 2.90%
    47% 9 $1,875,000 $208,333 $2,876 3.07%
    48% 8 $1,230,000 $153,750 $2,201 3.47%
    50-60% 7 $1,925,000 $275,000 $5,278 4.11%
    >60% 4 $620,000 $155,000 $2,574 5.10%

    Adams Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 199 originations. The next most common DTI ratio? 30-36%, with 116 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 655 $128,705,000 $196,496 $2,748 3.46%
    Not provided 58 $11,530,000 $198,793 $2,832 3.35%
    Not applicable 40 $10,660,000 $266,500 $0 4.58%
    Asian 7 $1,115,000 $159,286 $3,403 3.38%
    Asian Indian 3 $845,000 $281,667 $2,271 2.88%
    American Indian 3 $645,000 $215,000 $2,684 3.08%
    Black 4 $540,000 $135,000 $3,290 3.16%
    Korean 1 $225,000 $225,000 $0 4.50%
    Other Asian 1 $135,000 $135,000 $2,649 2.75%

    Approval Rates

    Total approvals of all applications
    88.08%

    Adams Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.68%

    Adams Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    2004.55 1 $35,000 $35,000
    8102.18 1 $415,000 $415,000
    NA 770 $153,950,000 $199,935

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $430,000 $215,000
    Multifamily:Site-Built 15 $6,985,000 $465,667
    Single Family (1-4 Units):Manufactured 25 $2,365,000 $94,600
    Single Family (1-4 Units):Site-Built 730 $144,620,000 $198,110

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 79 $12,605,000 $159,557 $2,268 3.85%
    40-60% 158 $32,700,000 $206,962 $2,683 3.52%
    60-80% 274 $63,890,000 $233,175 $2,660 3.60%
    80-100% 218 $41,970,000 $192,523 $3,296 3.27%
    Over 100% 2 $640,000 $320,000 $9,831 2.56%
    Under 20% 41 $2,595,000 $63,293 $1,021 3.53%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Adams Bank & Trust 150 Central Avenue Grant, NE 69140 Full Service B&M $39,115
    Adams Bank & Trust 148 Remington Street, Suite 101 Fort Collins, CO 80524 Full Service B&M $0
    Adams Bank & Trust 202 State Street Brule, NE 69127 Full Service B&M $20,089
    Adams Bank & Trust 205 North 4th Street Indianola, NE 69034 Full Service B&M $23,860
    Adams Bank & Trust 131 Walnut Street Sutherland, NE 69165 Full Service B&M $27,945
    Adams Bank & Trust 10 E Ken Pratt Blvd Longmont, CO 80501 Full Service B&M $37,205
    Adams Bank & Trust 1005 South Range Avenue, Suite 300 Colby, KS 67701 Full Service B&M $23,003
    Adams Bank & Trust 108 South Perkins Avenue Madrid, NE 69150 Full Service B&M $16,994
    Adams Bank & Trust 1201 Lake Avenue Berthoud, CO 80513 Full Service B&M $61,065
    Adams Bank & Trust 121 South Jeffers Street North Platte, NE 69101 Full Service B&M $63,546
    Adams Bank & Trust 1310 Garden Of The Gods Road Colorado Springs, CO 80907 Full Service B&M $97,562
    Adams Bank & Trust 265 East Cheyenne Mountain Boulevard Colorado Springs, CO 80906 Full Service B&M $0
    Adams Bank & Trust 315 North Spruce Street Ogallala, NE 69153 Full Service B&M $163,945
    Adams Bank & Trust 3221 South Jeffers Street North Platte, NE 69101 Full Service B&M $0
    Adams Bank & Trust 519 West Main Street, Suite B Sterling, CO 80751 Full Service B&M $6,966
    Adams Bank & Trust 545 Broadway Imperial, NE 69033 Full Service B&M $97,383
    Adams Bank & Trust 641 2nd Street Chappell, NE 69129 Full Service B&M $37,333
    Adams Bank & Trust 702 Sheldon Street Lodgepole, NE 69149 Full Service B&M $7,762
    Adams Bank & Trust 7800 South College Avenue Fort Collins, CO 80525 Full Service B&M $59,376
    Adams Bank & Trust 8308 Colorado Blvd Firestone, CO 80520 Full Service B&M $39,927

    For 2020, Adams Bank & Trust had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,576
    Net interest income $37,196
    Total noninterest income $8,430
    Gross Fiduciary activities income $666
    Service charges on deposit accounts $1,623
    Trading account gains and fees $0
    Additional Noninterest Income $6,141
    Pre-tax net operating income $14,291
    Securities gains (or losses, -) $18
    Income before extraordinary items $11,527
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,527
    Minority interest net income $0
    Net income $11,527
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,512

    Adams Bank & Trust's gross interest income from loans was $42,576,000.
    Adams Bank & Trust's net interest income from loans was $37,196,000.
    Adams Bank & Trust's fee based income from loans was $1,623,000.
    Adams Bank & Trust's net income from loans was $11,527,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,380
    Provision for credit losses $1,192
    Total noninterest expense $30,143
    Salaries and employee benefits $18,510
    Premises and equipment expense $2,878
    Additional noninterest expense $8,755
    Applicable income taxes $2,782
    Net charge-offs $137
    Cash dividends $5,000

    Adams Bank & Trust's interest expense for loans was $5,380,000.
    Adams Bank & Trust's payroll and benefits expense were $18,510,000.
    Adams Bank & Trust's property, plant and equipment expenses $2,878,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $902,353
    Deposits held in domestic offices $902,353
    Deposits by Individuals, partnerships, and corporations $754,911
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $143,143
    Deposits by Commercial banks and other depository institutions in U.S. $4,299
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $227,762
    Demand deposits $176,755
    Nontransaction accounts $674,591
    Money market deposit accounts (MMDAs) $226,235
    Other savings deposits (excluding MMDAs) $247,409
    Total time deposits $200,947
    Total time and savings deposits $725,598
    Noninterest-bearing deposits $222,787
    Interest-bearing deposits $679,566
    Retail deposits $864,356
    IRAs and Keogh plan accounts $20,532
    Brokered deposits $3,061
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,031,773
    Cash & Balances due from depository institutions $169,931
    Interest-bearing balances $151,269
    Total securities $100,102
    Federal funds sold & reverse repurchase $0
    Net loans and leases $729,494
    Loan and leases loss allowance $12,567
    Trading account assets $0
    Bank premises and fixed assets $12,078
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $20,168

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,031,773
    Total Liabilities $932,538
    Total deposits $902,353
    Interest-bearing deposits $679,566
    Deposits held in domestic offices $902,353
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $27,000
    Subordinated debt $0
    All other liabilities $3,185

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $729,494
    Loan and leases loss allowance $12,567
    Total loans and leases (domestic) $742,061
    All real estate loans $498,574
    Real estate loans in domestic offices $498,574
    Construction and development loans $54,736
    Residential 1-4 family construction $14,660
    Other construction, all land development and other land $40,076
    Loans secured by nonfarm nonresidential properties $206,452
    Nonfarm nonresidential secured by owner-occupied properties $101,342
    Commercial real estate & other non-farm, non-residential $105,110
    Multifamily residential real estate $17,705
    1-4 family residential loans $122,942
    Farmland loans $96,739
    Loans held in foreign offices $0
    Farm loans $127,576
    Commercial and industrial loans $93,552
    To non-U.S. addressees $0
    Loans to individuals $13,772
    Credit card loans $0
    Related Plans $1,166
    Consumer Auto Loans $6,266
    Other loans to individuals $6,340
    All other loans & leases $8,587
    Loans to foreign governments and official institutions $0
    Other loans $3,565
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,884
    Non 1-4 family restructured loans & leases $3,851
    Total loans and leases (foreign) $0

    Adams Bank & Trust had $729,494,000 of loans outstanding in 2020. $498,574,000 of loans were in real estate loans. $54,736,000 of loans were in development loans. $17,705,000 of loans were in multifamily mortgage loans. $122,942,000 of loans were in 1-4 family mortgage loans. $127,576,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,266,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 353 $76,088 $215,547
    Nonfarm, nonresidential loans - <$100k 102 $3,951 $38,735
    Nonfarm, nonresidential loans - $100-250k 109 $13,941 $127,899
    Nonfarm, nonresidential loans - $250k-1MM 142 $58,196 $409,831
    Commercial & Industrial, US addressed loans - <$1MM 1,167 $71,008 $60,847
    Commercial & Industrial, US addressed loans - <$100k 955 $25,763 $26,977
    Commercial & Industrial, US addressed loans - $100-250k 130 $15,562 $119,708
    Commercial & Industrial, US addressed loans - $250k-1MM 82 $29,683 $361,988
    Farmland loans - <$1MM 189 $30,537 $161,571
    Farmland loans - <$100k 52 $2,267 $43,596
    Farmland loans - $100-250k 77 $9,838 $127,766
    Farmland loans - $250k-1MM 60 $18,432 $307,200
    Agriculture operations loans - <$1MM 855 $80,622 $94,295
    Agriculture operations loans - <$100k 602 $24,736 $41,090
    Agriculture operations loans - $100-250k 176 $29,634 $168,375
    Agriculture operations loans - $250k-1MM 77 $26,252 $340,935