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Adams Community Bank

Adams, MA · Cert 90140 · Community Bcorp Berkshires MHC

SI · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Adams Community Bank

Adams, MA · Cert 90140 · Community Bcorp Berkshires MHC

SI · FDIC · 10 branches

Q2 2026

$1.0BAssets
$828.3MLoans
$822.6MDeposits
$108.2MEquity
Loan mix
98%RE $817.6M2%C&I $13.3M1%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $708.7M14%Noninterest $113.9MQ2 2025Q2 2026

NIM

4.03%Q2 ’244.31%Q2 ’254.37%Q2 ’26+16%+9%

Non-interest income vs. expense

2.10%Q2 ’242.00%Q2 ’252.18%Q2 ’260%+10%

Market Position · Pittsfield, MA · 2026 SOD (annual) · 19.2% share · #2 of 9 inst. · $0.8B of $4.3B

Executive Summary

  • Earnings: ROA of 0.49%, up 1 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.40% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.34%, up 76 bps from a year ago.
  • Funding: loans stand at 100.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+21 bps YoY

Efficiency Ratio (YTD, annualized)

76.71%+40 bps YoY

Tier 1 Leverage Ratio

10.34%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.51%0.50%0.48%0.49%+1 bps
Return on Equity5.03%5.38%5.13%4.60%4.64%-39 bps
Net Interest Margin2.34%2.37%2.39%2.49%2.55%+21 bps
Efficiency Ratio76.31%74.37%75.48%77.63%76.71%+40 bps
Non-Interest Burden1.70%1.66%1.71%1.85%1.87%+16 bps
Growth
Asset Growth (YoY)2.47%1.20%-0.34%-2.00%-3.57%-604 bps
Loan Growth (YoY)2.66%1.07%-2.29%-3.91%-5.21%-787 bps
Deposit Growth (YoY)-0.12%3.23%1.40%3.42%1.85%+197 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.23%0.29%0.43%0.40%-5 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.00%0.00%-2 bps
Allowance / Loans0.59%0.61%0.61%0.61%0.64%+5 bps
Allowance Coverage of NPLs1.3x2.7x2.1x1.4x1.6x+0.3x
Capital
Tier 1 Leverage Ratio9.58%9.70%9.90%10.14%10.34%+76 bps
Total Risk-Based Capital16.02%16.50%16.85%16.89%17.16%+114 bps
Equity / Assets9.56%9.90%10.29%10.43%10.75%+119 bps
Liquidity & Funding
Loans / Deposits108.19%105.05%101.87%101.33%100.69%-750 bps
Liquid Assets / Assets1.01%0.83%2.18%2.16%1.31%+31 bps
CRE / Total Capitaln/a101.55%93.87%96.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Adams Community Bank

Adams, MA · Cert 90140 · Peer group: banks $1B-$10B in assets (n=313-319) · Community Bcorp Berkshires MHC

SI · FDIC · 10 branches

Q2 2026

$1.0BAssets
$828.3MLoans
$822.6MDeposits
$108.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets (rank 57 of 313).
  • Widest gap: net interest margin trails 94% of banks $1B-$10B in assets (rank 300 of 319).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.49%

Rank 297 of 319

Net Interest Margin

2.55%

Rank 300 of 319

Efficiency Ratio

76.71%

Rank 292 of 319

Equity / Assets

10.75%

Rank 139 of 319

Non-interest income vs. expense

$3.2M$22.3MINCOMEEXPENSE
Unfavorable gap of $19.1M · efficiency ratio beats 9% of banks $1B-$10B in assets
Bank 76.71%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.49%0.91%1.21%1.53%Beats 7%297 / 319
Return on Equity4.59%8.49%11.44%14.57%Beats 8%295 / 319
Net Interest Margin2.55%3.06%3.43%3.81%Beats 6%300 / 319
Efficiency Ratio76.71%51.90%59.57%67.64%Beats 9%292 / 319
Asset Quality
Nonperforming Loans / Loans0.40%0.25%0.54%1.18%Beats 64%115 / 313
Net Charge-Offs / Loans0.01%0.01%0.04%0.12%Beats 82%57 / 313
Capital
Tier 1 Capital Ratio16.33%11.74%12.99%15.28%Beats 82%57 / 319
Total Risk-Based Capital Ratio17.16%12.61%14.01%16.23%Beats 82%58 / 319
Equity / Assets10.75%9.03%10.33%12.01%Beats 56%139 / 319
Liquidity & Funding
Loans / Deposits100.69%76.76%88.16%95.43%89th pctl36 / 314
Loans / Assets82.23%65.79%74.05%79.84%83rd pctl54 / 319
Brokered Deposits / Depositsn/aNot reported for this institution