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Adams Bank & Trust is a growing full service financial institution located in Nebraska, Colorado, and Kansas. Founded in 1916, the bank has grown to over $750 million in assets with 19 locations: 11 in Nebraska, 7 in Colorado and 1 in Kansas. Todd Adams is the CEO and Chad Adams is the President. The bank prides itself on relationship banking with its customers. As a family owned bank, we remain independent with strong capitalization to ensure we can serve our customers for years to come. We encourage you to get to know our kind of banking as we celebrate 100 years of leading the way with better banking.


The Adams' family banking history began in 1916 with a charter for a new state bank granted to G.D. Adams and E.C. Wolf. G.D. Adams had served as a telegrapher with the Union Pacific Railroad for eight years before being named Station Agent at Big Springs. Melvin H. Adams and his sister Mary were both born at the depot. Granville Stout, whom G.D. had met while applying for his first job with the Union Pacific, encouraged him to give up railroading and start a bank in Lemoyne; which had a population of about 100. The bank would be called Lemoyne State Bank.

Melvin became a banker in his teens, delivering statements because postage had gone up to two cents! In 1931, as a student at the University of Nebraska, he was initiated into the hazards of banking. He was home for the summer when two men walked in brandishing guns and demanding money. After forcing the young teller to open the vault and lay face down on the floor, the men escaped with about $1,000 in counter cash. The money was never recovered, but the men were captured in Denver some time later after committing several other robberies.

In 1934, as the Kingsley Dam and Lake McConaughy projects were being developed, the bank was moved from Lemoyne to Brule.

At that time, Brule had three bank buildings, all of which were fatalities of the Great Depression. G.D. purchased the newest of those buildings from the Nebraska Banking Department, changed the bank's name and opened for business as the Bank of Brule.

Melvin H. Adams, Sr. joined his father, G.D. Adams, in 1939 in the operation of the Bank of Brule. Melvin's banking career was interrupted by service in WWII, but he returned as the President of the bank, succeeding his father who died in 1944. Melvin served as President of the bank for 37 years before stepping down in 1981.

Mel Adams, Melvin's son, graduated from the University of Nebraska and became associated with IBM and the National Bank of Commerce in Lincoln. In 1960, following the family tradition, he joined the Bank of Brule. At that time, the Bank of Brule had assets of $1.5 million.

In 1962, the Adams family opened the Keith County Bank in Ogallala with Melvin H. Adams, Sr. serving as President and Mel Adams the Managing Officer.

Over a three year period from 1969 to 1972, three existing banks were added to the Adams banking family: Security State Bank of Madrid in 1969, First National Bank of Imperial in 1971 and First Security Bank of Sutherland in 1972. The combined assets of the five banks in 1972 was $25 million.

New facilities were built in 1973 for the Keith County Bank in Ogallala, now the flagship Adams Bank & Trust branch located at 315 North Spruce Street. The family tradition of banking continued when Mel Adams' sons joined the bank. Todd S. Adams joined the bank as Cashier and Trust Officer in 1985. In 1986, Chad S. Adams began working for Adams Bank & Trust as Chairman of the Loan Discount Committee. Todd and Chad represent the 4th generation in the Adams family banking business.

Revised banking laws allowed the merger of state banks. All five banks owned by the Adams family were merged under the common name of Adams Bank & Trust in 1986.

In 1992, two loan production offices were started, one in North Platte, NE and the other in Grant, NE. In 1996, both of these offices were converted to full service banks. An additional loan production office was started and converted to a full service bank in Chappell, NE during the final half of 1996. Our 9th location was added in May of 1997 with the acquisition of First State Bank in Lodgepole, NE. Early in 1999, Adams Bank & Trust acquired Bank of Indianola in Indianola, NE, which brought the bank to 10 locations.

On December 15, 2000, Adams Bank & Trust opened their first branch in Colorado in the town of Berthoud. On April 16, 2004, Adams Bank & Trust completed the process of merging with Vista Bank, located in Colorado Springs. The bank's growth in Colorado continued over the next 8 years with branches opened in Fort Collins & Longmont. During 2013 the bank opened a second branch in North Platte, NE and a new location in Colby, KS. Then in August of 2015, Adams Bank & Trust added their 19th location with a branch in Sterling, CO.


In July of 2008, Melanie (Adams) Washa joined her brothers, Todd and Chad, at the Ogallala location. Melanie serves as a Call Center Specialist and is responsible for solving customer issues. She is the friendly voice you hear when you call in to the bank.

The family banking tradition continued again in 2011, as Amanda Adams Hoover joined Adams Bank & Trust. She is currently serving as Chief Financial Officer and is the daughter of Todd Adams. Jacob Hovendick joined the investment arm of the bank as a Raymond James Advisor in August of 2013. He is the son of Laurie (Adams) Hovendick. Jessop Adams, son of Chad Adams, joined the bank as an Ag Banker in Ogallala in the fall of 2015 after successfully becoming a lawyer in the state of Nebraska earlier that year. In 2016, Ben Washa, son of Melanie (Adams) Washa joined the bank as a Mortgage Banker in the Fort Collins office. Amanda, Jacob, Jessop & Ben represent the 5th generation of the Adams family.

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