A Message From Our CEO

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To our valued customers:

We understand that the joint statement released Sunday, March 12 by the Department of Treasury, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation (FDIC) may raise concern with Americans for a number of reasons. We wanted to personally address this for you, our customer .

Please remember that not all banks are equal , have the same purpose, or have the same values. As a privately held community bank that has been family-owned and operated since 1916, the pillars of our institution lie within our dedication to building and protecting our customers’ financial interests and success. We want you to know that you have the expertise of your local bankers, as well as the expertise of the Adams family, standing behind you when you bank with us.

We have over 100 years of experience handling the ebb and flow of the economy; we pride ourselves on our organization’s financial strength and stability. We strive to lead by example because if we want to advise our customers on financial success, we must also demonstrate financial success and reliability. We have a very diversified customer and asset base. We manage interest rate risk so that future earnings are not jeopardized. We are capitalized well above regulatory thresholds.

In times like these, when global and national markets are volatile, interest rates are rising, and inflation is persistent, it is crucial to partner with not only bankers you know and trust, but also a bank you know and trust . We appreciate you placing that trust in Adams Bank & Trust.

If you have questions or concerns following Sunday’s joint statement, I urge you to contact your local banker and allow us to address those concerns directly. Thank you for making us your bank of choice.

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