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
Unfavorable gap of $19.1M · efficiency ratio beats 9% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.91% | 1.21% | 1.53% | Beats 7% | 297 / 319 | |
| Return on Equity | 4.59% | 8.49% | 11.44% | 14.57% | Beats 8% | 295 / 319 | |
| Net Interest Margin | 2.55% | 3.06% | 3.43% | 3.81% | Beats 6% | 300 / 319 | |
| Efficiency Ratio | 76.71% | 51.90% | 59.57% | 67.64% | Beats 9% | 292 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.25% | 0.54% | 1.18% | Beats 64% | 115 / 313 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 82% | 57 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 16.33% | 11.74% | 12.99% | 15.28% | Beats 82% | 57 / 319 | |
| Total Risk-Based Capital Ratio | 17.16% | 12.61% | 14.01% | 16.23% | Beats 82% | 58 / 319 | |
| Equity / Assets | 10.75% | 9.03% | 10.33% | 12.01% | Beats 56% | 139 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 100.69% | 76.76% | 88.16% | 95.43% | 89th pctl | 36 / 314 | |
| Loans / Assets | 82.23% | 65.79% | 74.05% | 79.84% | 83rd pctl | 54 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |