COMMERCIAL BANKING
PRODUCTS & SERVICES
WHERE YOU BANK MATTERS
We’re here to serve you as a privately held community bank that has been family-owned and operated since 1916. Our experienced commercial lending team offers a personal assessment of business needs, backed with access to the banking tools you need to help your business thrive.
PERSONAL TRUST MORTGAGE COMMERCIAL
1916
G.D. Adams charters Lemoyne State Bank with business partner E.C. Wolf
1934
G.D. moves the bank to Brule, and opens Bank of Brule, due to the construction and flooding of Lemoyne for Lake McConaughy
1962
Keith County Bank in Ogallala opens
1967-1973
Trust designation received 1967
Branch opens in Madrid 1969
Branch opens in Imperial 1971
Branch opens in Sutherland 1972
Keith County Bank & Trust at 315 N. Spruce is built 1973
1986
Changes in banking laws allow the 5 family banks to merge under one name: Adams Bank & Trust
1992
2 branches open in North Platte & Grant
1996-2000
Branch opens in Chappell 1996
Branch opens in Lodgepole 1997
Branch opens in Indianola 1999
Branch opens in Berthoud 2000
2 branches open in Colorado Springs 2000
2004-2007
Branch opens in Longmont 2004
Branch opens in Firestone 2005
Branch opens in Fort Collins 2007
2013
2nd branch opens in North Platte 2013
Colby, Kansas branch opens 2013
2016
Adams Bank & Trust celebrates 100 years of service to their customers
G.D. Adams 1916
1931
Two robbers steal $1,000 of counter cash. The robbers were arrested in Denver, but the cash was not recovered.
Melvin Adams 1939
1940–1945
Melvin serves in WWII
“Mel”
Todd Adams 1985
Chad Adams 1986
Melanie (Adams) Washa 2008
Mandy (Adams) Hoover 2011
Jacob Hovendick 2013
Jessop Adams 2015
Benjamin Washa 2016
2019-2023
2nd branch opens in Fort Collins 2019 1st branch opens in Greeley, Colorado & 3rd in Colorado Springs
Harrison Adams 2023
LOOKING AHEAD
Entering its 5th generation of leadership, Adams Bank & Trust continues their tradition of success and strategic vision as they serve Colorado, Kansas, and Nebraska.
Melvin
Adams Jr. 1960
OUR HISTORY
SMALL BUSINESS BANKING GROUP
SOMETIMES IT’S THE SMALL THINGS THAT MATTER THE MOST
WE CAN FIND THE PERFECT FINANCING SOLUTION FOR YOUR BUSINESS’ NEXT STEP
The Small Business Banking Group is a builtin team at Adams Bank & Trust dedicated to supporting the success of your small business. We know that securing financing for smaller business costs, from initial start-up purchases to equipment upgrades, is vital to your longterm success.
Our Small Business Banking Group offers an elevated experience and shortened timeline for small business owners to meet these needs. We prioritize finding the perfect financing solution for your unique circumstances so that you can focus on taking that next step.
YOUR FOUNDATION FOR FINANCIAL SUCCESS
SMALL BUSINESS BANKING GROUP
LENDING SOLUTIONS FOR YOUR SMALL BUSINESS NEEDS
expedited processing personalized service
EXPLORE SOLUTIONS FOR:
• Equipment or vehicle purchases
• Business and startup purchases
• Small Business Administration loans
• Lines of credit
• Refinancing
READY TO GET STARTED?
Let’s connect to explore financing solutions for your small business. Complete the request form below to get in touch with our Small Business Banking Group. They can answer your questions, walk you through the process, and help you start your application.
SCAN THIS QR CODE TO CONNECT WITH A LENDER TODAY.
BUILDING YOUR BUSINESS
BUSINESS LOANS & LENDING
A UNIQUE APPROACH OFFERS UNIQUE IDEAS
The foundation of our culture rests on a simple concept: Our customer’s bottom line is just as important as our own. It’s not a unique idea to us, but we understand it’s unique within our industry. We’re not publicly traded—we don’t have to answer to “profit at all costs” motives. We focus on your success, and we tailor financing solutions to meet your needs; we work to make complex purchasing and financing decisions easier and more efficient. There’s nothing cookie-cutter about our bank—which means there’s nothing cookie-cutter about the financing solutions we’re able to provide our clients.
YOUR FOUNDATION FOR FINANCIAL SUCCESS
COMMERCIAL REAL ESTATE LOANS
• Streamlined approval process
• Expertise in almost all industry/property types
• Flexible terms and great rates
• Construction and permanent financing available
• Owner-occupied and investor financing available
BUSINESS TERM LOANS
• Finance new and used equipment/vehicles
• Obtain credit to fund your business’s growth
• Flexible terms and great rates
• Local decision-making
BUSINESS LINES OF CREDIT
• Easy avenue to fund seasonal needs
• Access to cash when receivables and inventory become big balance sheet items
• Expertise in almost all industries
• Partner with local bankers who know your community and your industry
GOVERNMENT LOAN PROGRAMS
*All loans are subject to credit approval.
• Traditional SBA 7(a) financing is available, as well as the Express/Small Loan programs
• SBA 504 loans for building and/or equipment acquisitions or expansions
• USDA B & I loans if your business is located in a community of less than 50,000 people
• FSA guaranteed loans
YOUR FOUNDATION FOR FINANCIAL SUCCESS 11/2023
YOUR BUSINESS YOUR WAY
BUSINESS CHECKING & SAVINGS
WE KNOW NO TWO BUSINESSES ARE ALIKE
We recognize every business is unique, with specialized banking needs. That’s why we offer business checking solutions tailored to a variety of needs, not just one or two options. Whether your business is a sole proprietorship, a small company, or a larger corporation, we have a solution that’s right for you.
YOUR FOUNDATION FOR FINANCIAL SUCCESS YOUR FOUNDATION FOR FINANCIAL SUCCESS
BUSINESS ESSENTIAL
SMART BUSINESS
DESIGNED FOR BUSINESSES WHO ANTICIPATE LOW TRANSACTION VOLUME AND MAINTAIN LOWER BALANCES.
• Features 150 free items per month, including deposited items and checks written*
• Automatic deposits and payments are free
• $200 minimum balance (fall below fee of $7/month)
*All additional items will incur a fee of $0.18/item
DESIGNED FOR BUSINESSES WITH MODERATE TRANSACTION VOLUME, WHO MAINTAIN A DAILY BALANCE OF $2,500 OR MORE.
• Features 300 free items per month, including deposited items and checks written*
• Automatic deposits and payments are free
• $2,500 minimum balance (fall below fee of $15/month)
*All additional items will incur a fee of $0.15/item
BUSINESS PARTNER
BUSINESS INTEREST
DESIGNED FOR BUSINESSES WITH HIGH TRANSACTION VOLUME WHO MAINTAIN HIGHER BALANCES.
• Per item transaction fees of $0.15 (check/debit/credit/deposit)
• $10/month service charge
• An earnings credit based on your investable balances is applied to offset monthly fees
DESIGNED ONLY FOR SOLE PROPRIETORSHIPS AND NOT-FOR- PROFIT ORGANIZATIONS.
• Features 150 free items per month, including deposited items and checks written*
• Automatic deposits and payments are free
• $1,500 minimum balance (fall below fee of $10/month)
*All additional items will incur a fee of $0.18/item
PREMIER MONEY MARKET CHECKING
MONEY MARKET SAVINGS
DESIGNED TO PROVIDE A COMPETITIVE INTEREST RATE ALONG WITH EASY ACCESS TO YOUR FUNDS.
• Restricted to 5 checks monthly*
• $2,500 minimum balance (fall below fee of $10/month)
*$25 per check fee over the 5 check limit
A PLACE FOR EVERYONE TO PUT THOSE EXTRA DOLLARS EARNING INTEREST—CONSIDERED A SAVINGS ACCOUNT.
• 3 free monthly withdrawals, each additional withdrawal is $1.00
• $100 minimum balance (fall below fee of $2/month)
7/2023
KEEP YOUR BUSINESS ON TRACK
TREASURY MANAGEMENT
THE NEXUS OF YOUR BUSINESS BANKING TOOLS
BUSINESS ONLINE
We can customize the capabilities of your business online experience to fit the needs of your business today, and expand them as your business grows.
• 24/7 real time account activity and history
• Daily float activity
• Inter-account transfers
• Make loan payments or advances
• Issue stop pays
• View statements and check images
• Flexible access and dual control options
• Export transactions to Quicken, Quickbooks or CSV
ADDITIONAL BUSINESS ONLINE PRODUCTS ACH MANAGER
A complete, end-to-end ACH transfer solution.
• Originate your company’s payroll, billing files, or vendor payments
• Flexible access and dual control options
ADAMS MERCHANT CAPTURE
Make check deposits on your own time and terms.
• Deposits done any time
• Flexible access and dual control options
BUSINESS BILL PAY
An integrated and comprehensive bill pay service for business customers.
• One-stop Dashboard provides simple interface for bill pay activities
• Bill reminders for notification of upcoming bills
OUR BUSINESS IS HELPING YOUR BUSINESS
BUSINESS MOBILE*
BUSINESS CREDIT CARD*
When you’re looking for ways to maximize efficiency for your business, banking may not be at the top of your list. However, simplifying the way the “business” side of your business functions, can provide significant gains over time. That’s why we adopt technology that enhances the customer experience and helps make your business more efficient. Time is money, and if we’re able to save you time with your banking needs, then we know that helps your bottom line.
MANAGE YOUR BUSINESS BANKING FROM THE PALM OF YOUR HAND
• Functionality with iPhone and Android
• Integrates with many Treasury Management solutions
• Flexible access and dual control options
*Monthly service fee applies. Some restrictions apply. Message and data rates may apply.
GET INSTANT ACCESS TO CREDIT FOR YOUR BUSINESS’S LARGER PURCHASES
• MasterCard and Visa available
• Preferred Points card or Standard card options
• Competitive interest rate
CREDIT CARD PROCESSING
SWEEPS
POSITIVE PAY
WIRE MANAGER
*Subject to credit approval.
CONVENIENT, SECURE SOLUTIONS FOR PAYMENT METHODS AT YOUR PLACE OF BUSINESS
• Partnered with Heartland
• Process a wide range of cards including Visa, MasterCard, AMEX, gift cards, and more
• Multiple price points and options for all business types
ENSURE YOU HAVE ACCESS TO MONEY IN ALL OF YOUR ACCOUNTS
• Sweep funds between various accounts once you reach a designated limit
PROTECT YOUR BUSINESS FROM PAYING FRAUDULENT CHECKS
• Detect fraudulent checks at the point of presentment, and prevent them from being paid
SEND WIRES WITHOUT MAKING A TRIP TO THE BANK
• Send wires quickly and conveniently from your computer
• Establish multiple users with wire access and personalize their wire limits and permissions
• Clients and employees can review each wire before it comes to the bank
NMLS# 469371
