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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