Adams Community Bank
Adams, MA · Cert 90140 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 81% of banks $1B-$10B in assets (rank 63 of 322).
- Widest gap: net interest margin trails 94% of banks $1B-$10B in assets (rank 308 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.49%
Rank 308 of 328
Net Interest Margin
2.55%
Rank 308 of 328
Efficiency Ratio
76.71%
Rank 300 of 328
Equity / Assets
10.75%
Rank 143 of 328
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.91% | 1.22% | 1.52% | Beats 6% | 308 / 328 | | |
| Return on Equity | 4.59% | 8.43% | 11.45% | 14.43% | Beats 7% | 306 / 328 | | |
| Net Interest Margin | 2.55% | 3.03% | 3.45% | 3.83% | Beats 6% | 308 / 328 | | |
| Efficiency Ratio | 76.71% | 51.61% | 59.56% | 67.53% | Beats 9% | 300 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.24% | 0.51% | 1.03% | Beats 62% | 124 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 81% | 63 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 16.33% | 11.75% | 13.15% | 15.47% | Beats 81% | 62 / 328 | | |
| Total Risk-Based Capital Ratio | 17.16% | 12.63% | 14.15% | 16.46% | Beats 80% | 64 / 328 | | |
| Equity / Assets | 10.75% | 9.15% | 10.33% | 12.01% | Beats 56% | 143 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.69% | 76.63% | 87.92% | 95.36% | 88th pctl | 38 / 323 | | |
| Loans / Assets | 82.23% | 65.18% | 74.15% | 79.98% | 82nd pctl | 58 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |