Fast growth, from a lower base
Originations rose 27% to 312, higher than about four in five similar lenders, whose typical growth was 7%, and well above the whole market's 10%. The bank is still well below the 772 loans of 2020.
Applications / Mortgage Analytics / Lenders / Nebraska / Adams Bank & Trust
Adams Bank & Trust
Ogallala, NE · State member bank · FRS · $1.3 billion assets · 312 loans in 2025
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312
loans originated, 2025
437
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Adams Bank & Trust, a rural Nebraska bank, grew much faster than similar banks in 2025 and lends to low- and moderate-income borrowers more than most of them.
More LMI borrowers, fewer LMI areas
Low- and moderate-income (LMI) borrowers took 36.4% of its loans, higher than about four in five peers. Its share in LMI tracts, 14.4%, is near the middle, and 2.2% of loans were in majority-minority tracts against 5.9%, which could reflect a footprint centred on rural Nebraska and northern Colorado.
A steady regional player
It ranks 14 of 341 lenders in non-metro Nebraska, and its shares in Greeley, Fort Collins-Loveland and Prescott Valley held unchanged at 0.2% to 0.3%.
Questions the data can answer next
- Which products and counties carry its higher-priced loans, and how do its rates compare by loan type?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
312 loans in 2025, against a peak of 772 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Adams Bank & Trust took 437 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
71.2% of its 2025 loans were purchase loans; 92.0% were Conventional.
Purchase 71.2% · Refinance 16.7% · Home improvement 8.7% · Other 3.5%
Conventional 92.0% · FHA 5.8% · VA 1.6% · USDA (RHS or FSA) 0.6% · of 312 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
16 states, 21 metros, 58 counties
| State | Loans | Share |
|---|---|---|
| Nebraska | 195 | 62.5% |
| Colorado | 80 | 25.6% |
| Arizona | 15 | 4.8% |
| Kansas | 7 | 2.2% |
| Illinois | 2 | 0.6% |
| South Dakota | 2 | 0.6% |
| Utah | 2 | 0.6% |
| California | 1 | 0.3% |
| Iowa | 1 | 0.3% |
| Indiana | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Greeley | 23 |
| Fort Collins-Loveland | 22 |
| Denver-Aurora-Centennial | 15 |
| Prescott Valley-Prescott | 14 |
| Boulder | 7 |
| Colorado Springs | 6 |
| Davenport-Moline-Rock Island | 2 |
| Rapid City | 2 |
| Chattanooga | 1 |
| Elgin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930040GLSEV5H11Q12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 463650 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2463650 | 2001–2017 |
Established 26 February 1962. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Adams Bank & Trust's data.
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