Bank · Ogallala, NE
Adams Bank & Trust: SBA lending profile
#652
National rank by loans
Adams Bank & Trust approved 37 SBA loans worth $17.8M between October 2021 and June 2026, ranking #652 of 2,283 SBA lenders nationally by loan count. Its median loan was $277,500, and 35% went to startups or businesses under two years old. It lent in 4 states, most often in Colorado, and its most financed industry was restaurants and hotels.
SBA loans per fiscal year
0 7 13 20 FY14: 1 loans FY14 FY15: 4 loans FY15 FY16: 13 loans FY16 13 FY17: 4 loans FY17 FY18: 2 loans FY18 FY19: 4 loans FY19 FY20: 2 loans FY20 FY21: 3 loans FY21 FY22: 11 loans FY22 FY23: 6 loans FY23 FY24: 5 loans FY24 FY25: 8 loans FY25 FY26 (Oct to Jun): 7 loans FY26 7 Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Where Adams Bank & Trust lends
State Loans Approved Median loan Rank in state
Colorado 22 $13.0M $345,150 #54 Nebraska 11 $2.2M $195,000 #26 Iowa 3 $2.4M $924,000 #92 Wyoming 1 $175K $175,000 #75
Industries Adams Bank & Trust finances
Industry Loans Share Median loan
Restaurants and hotels 7
$290,300 Retail 7
$277,500 Other services (repair, personal care) 4
$424,800 Administrative and support services 3
$202,000 Arts, entertainment and recreation 3
$400,000 Health care and social assistance 3
$500,000 Professional and technical services 3
$250,000 Wholesale trade 2
$233,400 Real estate and rental 2
$496,950 Construction 1
$400,000
Loan size mix
Under $150,000 16% $150,000 to $500,000 54% $500,000 to $2 million 27% $2 million and up 3% Loan programs used
Standard 7(a) 68% SBA Express 32%
Bank financials · Q2 2026
Total assets
$1.3B
Return on assets (annualized)
1.32%
Tier 1 capital to assets
14.3%
Business (C&I) loans
$68.9M
Noncurrent loans
0.56%
Uninsured deposits
23%
From the bank's FDIC call report. Shown for context, not as a rating. FDIC certificate 18489.
Loan terms
Median term
10 years
Startups and new businesses
35%
Charge-off rate, 2010 to 2019 loans now closed
3.8%
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See its SBA market share in every state and county, who is taking share from it, how its rates compare, and the busy counties where it makes no loans.
See its market report Figures come from the SBA's public loan records and describe loans the SBA approved, not applications or the lender's full business.
Methodology