2nd Quarter, 2023
WHERE YOU BANK MAT TERS
by
T O D D A DA M S
chief executive officer
I
n times like these, where you bank matters. Amid We voluntarily make our balance sheet easy to find on persistent inflation, rising interest rates, and page 4 of every issue of our quarterly newsletter. We’re continued volatility in national and global markets, proud of the numbers that show our organization’s it’s crucial to partner with a bank that prioritizes your strength and stability, and we want you to feel secure financial interest. It’s important to have a relationship in the bank’s position. with bankers and a bank you can trust. We are How does banking with a community bank matter committed to continuing to earn your trust through to your community? Interest rates transparency and by demonstrating are competitive, so why should you our reliability. It is worth remembering that choose one bank over another? Whenever bank failures make the not all banks are equal. They When you place deposits with national news, there are naturally do not have the same purpose a community bank, it allows us questions and discussion at the to reinvest in projects in your or the same values. local level about what happened community. It opens doors for local and why. business start-up and expansion loans. It facilitates families buying and renovating It is worth remembering that not all banks are equal. They do not have the same purpose or the same homes, improving neighborhoods. Deposits that go to values. As a privately held community bank that has banks outside your community and state don’t provide been family-owned and operated since 1916, we want those benefits. to provide a window into some of our best practices. You may remember that public service announcement After all, they have carried Adams Bank & Trust and that television stations used to broadcast at curfew our customers to success through more than 100 years time, “It’s 10 o’clock. Do you know where your of the ebb and flow of the economy. So, what are the children are?” It’s a question worth asking about pillars of our strength and stability? your bank, too. Do you know where your money is? We have a very diversified customer and asset base. With a community bank, your money is out at work, We’re spread across many communities, which reduces increasing opportunities and making your town a the risk of a challenge in any one particular area. It better place to live. helps us remain strong and safe through a variety We want you to know that you have the expertise of economic conditions, which is very important in of your local bankers, as well as the expertise of the today’s environment. Adams family, standing behind you when you bank We manage interest rate risk so that future earnings with us. As always, if you have questions or concerns, are not jeopardized. Having a strong bank helps us please contact your local banker and allow us to have strong communities. It allows us to be there for address those directly. Thank you for your continued our customers during times of economic uncertainty. confidence and trust. We are capitalized well above regulatory thresholds. We are strongly capitalized, which provides a cushion of extra protection to help keep your deposits safe. SERVING NEBR A SK A , C OLOR A DO & K A NS A S | 800. 422.3 4 88 | INFO@A BTBA NK .C OM