# ADAMS STATE BANK
ADAMS, NE · FDIC certificate 9812 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $70.2M | |
| Deposits | $54.2M | |
| Loans and leases | $49.2M | |
| Total equity | $11.0M | |
| Loans / deposits | 90.07% (p80 of band) | 73.59% |
| Liquid assets / assets | 27.37% (p37 of band) | |
| Uninsured deposits / deposits | 14.03% (p28 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.77% (p78 of band) | |
| FHLB advances / assets | 4.99% | |
| Tier 1 leverage | 16.62% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -47.78% (p7 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.59% (p72 of band) | 1.17% |
| Net interest margin | 3.74% (p40 of band) | 3.93% |
| Efficiency ratio | 53.67% (p21 of band) | |
| Noncurrent loans | 0.09% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 815.91% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 1.12% (p21 of band) | |
| Auto loans | $3.1M (6.27% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2018-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2018-06 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 2 | deposits shrinking |  |
| 2019-06 | 2 | capital falling | deposits shrinking |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 1 | loans exceed deposits | capital falling |
| 2020-03 | 1 | securities losses >30% of equity | loans exceed deposits |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | securities losses >30% of equity |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | securities losses >30% of equity |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 3 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-09 | 1 |  | capital falling, securities losses >30% of equity |
| 2023-12 | 2 | wholesale funding >15% |  |
| 2024-03 | 2 | NIM <2.5% | wholesale funding >15% |
| 2024-06 | 2 | securities losses >30% of equity | uninsured deposits leaving |
| 2024-09 | 2 | charge-offs p90 | NIM <2.5% |
| 2024-12 | 2 | capital falling | securities losses >30% of equity |
| 2025-03 | 1 | securities losses >30% of equity | charge-offs p90, capital falling |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 1 | deposits shrinking |  |
| 2025-12 | 1 | loans exceed deposits | deposits shrinking |
| 2026-03 | 1 | securities losses >30% of equity | loans exceed deposits |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-27 [Liberty Bank merger now complete - Muddy River News](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUWtjckRiMGoyMzM4ZG11N0dWeUVxMlFDWEdfYlM5M2xnUWFYNFFVWWxHLVdGbkl0eDBLelpOWjhNaE9tUHRjbXlrR0NPdURrZkV0NHcwQXlwQnRoLXpWbVVOcWlFMUktVlRVYmpCSXI2by05N1Q5N1BuUVhmUHgwa3FGbnB0a09HcVdfNg?oc=5) · Muddy River News
- 2026-01-31 [Lisa Seals retires from North Adams State Bank/Liberty Bank - Muddy River News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQWnFfOVlFYkFMQlIzUENXa0dOaUJOMWNhbUVJS1pfQ0pTQk53Q092ZzJBTHRuZlMxaWNxV0hKcVBrMWNVZVd2ckE5U3VCUzhvNFE0YW53RFo4Wm9vTm1pRkVtemtHd0RCZ3RXTk83YUtySTBzZ18wWE9FRkFicTQwMWp4dnlpekYxUUoyaW16dC1scHk1RVFRU3JuNnFCZGlvakpYZmV1Y3QzbndyWHVFQ3EzLUMwOVYwZEdVR3VCdGQ?oc=5) · Muddy River News
- 2019-03-25 [Family of homicide victims speak out while search for suspect co - KLKN-TV](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWXNMRUppTzhoUlJfdFJMRV94WXJYQlJRV2Z2MzBYSUxWcGVrLTNCSEpjRGlBU3BfTVVfRG4xZndydlk4SlZNRmpmVkdJR254UlVLU0IwUW15UFN3TmROSC00Qk9tQXF5aFQwUDB1UE1tcExadnhMNmU0LTBON0x4NDFORUJfblhEaV9YQkpVcnJVSDZYTmNRV1ZXWQ?oc=5) · KLKN-TV
- 2024-09-06 [Sandra Coorts Obituary (1945 - 2024) - Adams, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQY2pOTEFFT0hLQnhQdmJ2MnB2aEJsbXVHQ3QycjUtM01UUERVbWJ5ZkpKLXdLSmdBaUh0OTUwMW1yQm1RNUpUWldETU5keEFqVVMyOHZLemFKMlhhdUJjUzc1a0Z1b2VxdXhOandHdURmQ0phaWRIZTgtNy1CajVYRVVyMVhhUWtvckRpRmNBcURLZw?oc=5) · legacy.com
- 2019-03-27 ["The more family, the happier they got': Friends and family remember murdered couple in vigil - KETV](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOc1FCNjB3ZDFidnN0RDllT19JMzdROXFKMHdtZ1RVVmtGZ0UxVUYyOGpqcjFjZ1R5WE4wNGhEYm1hTHZYdnlpb2tuNlk4dTFJX3B1c0U2WGVqZXZjajVyeThHNFE0aGRaVUFacVZqUGlPelFheFFvVDZWdGk0dGtjVmJZclZDYkluWVRFT1hZakJZU290eFZTVHlIVk04dUVFUWZKTnpVMC1TLTh5RXdKNUZ4amF4MHduV3d3Z19Rb1J1Wjh2MHVjUg?oc=5) · KETV
- 2024-08-03 [Sandra Austin Obituary (2024) - Quincy, IL - Herald-Whig - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOTkhLVi1KWmpGcVdYRlhjZ09tSHVaR2JUQmpXMUdDNUVDU3dCMnBhQWxoNDFZa2pqQVhKS0cyd2dvSm9VMUVfa2pxZ2FXejlqZ3lkbDBSajB0eTViN3lDOUZlTXJuWEdxNGFLZUZVYkh4RlZ2SXFXN1VUNGFXLU5pdVRSNDlyNDlp?oc=5) · legacy.com
- 2022-07-08 [Eleven local businesses receive more than $2 million in PPP loans; Adams County gets more than $150 million - Muddy River News](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQNER3N1g4R3BQYUp5VXJoVTdpY0xFODBheVFleFRiR1VzNHNHMi1PN2ZLUG12UGVQNVRJYmhYYVNFbVM1YTVGTm9URExUbWNVRURDQl9YRUFRcjdPaXFFNXgxLUtrRG5wLWVDdEJRU2htOW1EdWNGZmtjOXJVMFVkY1JNbGwwTGdjTVpzMTUzUTNoVkpiNHpWa2k0NlpYdEhvWS1LMmJpYlZMcUZrbmtpNlVhRElLSGVxZE5TZ0RQUkQzREFIbS1zWjdyVjlWYjZnbEQ4OGUxUTNyMmpwUU41ZlJuWFZ1aTVSVHNEMDQzSEM?oc=5) · Muddy River News
- 2005-02-06 [Jaxon Menagh Obituary (2005) - Sterling, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNOXpRWG5kZTd4M2MwWGgxRWdrRlRweThuMUFoN3FEUE90SzdvNzk2bGNwQjVzSUllUnJnWE5iME8yTmxLTGdwXzhNZmlEOVBOeDdsZHVoZnZ5VXl3bFROMkdGdHc1cnh1U3BhZGhXOHRnbmFlY2FkMWxMRFIzdmpwNTZlMldOWWVheUlqOXFHNGg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9812 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "9812", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide