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Adams Community Bank

$1B-$10B Specialty: Mortgage MA FDIC cert 90140

Designations: ✓ Community bank

Adams, MA

10 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +1.8% year over year ($822.6M on the books).
  • Delinquency rate 0.40%.
  • Return on assets 0.49%.
  • Efficiency ratio 76.71% vs a 59.73% peer average.
  • Loan-to-deposit ratio 100.04% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Adams Community Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.0% in tier
  • - Liquidity Overhang: Bottom 30.8% in tier
  • - Return on Assets 0.90% below tier average
  • - Net Interest Margin 1.17% below tier average
  • - Efficiency Ratio 16.98% above tier average
Get updates when Adams Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.0B
-3.6% YoY -1.7% QoQ
-$1.8B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Bottom 0.6% in tier
Total Loans ? $823.0M
-5.3% YoY -1.2% QoQ
-$1.1B $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $822.6M
+1.8% YoY -0.5% QoQ
-$1.5B $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Bottom 2.4% in tier
Return on Assets ? 0.49%
+2.8% YoY +1.9% QoQ
-0.90% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 7.1% in tier
Net Interest Margin ? 2.70%
+8.5% YoY +2.3% QoQ
-1.17% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 6.7% in tier
Efficiency Ratio ? 76.71%
+0.5% YoY -1.2% QoQ
+16.98% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 9.8% in tier
Delinquency Rate ? 0.40%
-10.8% YoY -5.9% QoQ
-0.46% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 100.04%
-7.0% YoY -0.7% QoQ
+15.01% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ? 13.85%
+1.1% YoY +1.8% QoQ
-7.43% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.33%
-12.4% YoY -5.4% QoQ
-0.35% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 16.33%
+7.2% YoY +1.5% QoQ
+1.49% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.16%
+5.2% YoY +102.8% QoQ
-0.37% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 13.8%
+0.2pp YoY
+0.2pp QoQ
 -7.5pp 21.4% 16.2% 22.2% 23%
Brokered Deposits 4.0%
-3.7pp YoY
-1.0pp QoQ
 -5.5pp 9.5% 6.1% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 1.6%
-0.1pp YoY
0.0pp QoQ
 -12.4pp 14.0% 6.5% 12.5% 4%
CRE 12.0%
-1.0pp YoY
0.0pp QoQ
 -38.0pp 50.0% 40.3% 41.4% 1%
1-4 Family 86.2%
+1.2pp YoY
0.0pp QoQ
 +59.8pp 26.4% 52.4% 31.3% 98%
Consumer 0.7%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.7% 1.6% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 16.3%
+1.1pp YoY
+0.2pp QoQ
 +0.7pp 15.6% 16.6% 19.7% 80%
Leverage Ratio 10.3%
+0.8pp YoY
+0.2pp QoQ
 -1.0pp 11.3% 11.5% 12.6% 46%
Total Capital Ratio 17.2%
+1.1pp YoY
+0.3pp QoQ
 +0.5pp 16.7% 17.5% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 116
-2 (-1.7%) YoY
-4 (-3.3%) QoQ
 -198 313 755 482 12%
Assets per Employee ($) $8.7M
-1.9% YoY
+1.6% QoQ
 -$1.8M $10.5M $10.7M $8.8M 50%
Branch Count 10
0 YoY
0 QoQ
 -10 20 13 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.8% 1.0% 40%
Allowance Coverage 1.60x
+21.0% YoY
+10.6% QoQ
 -17.11x 18.71x 7.95x 20.23x 40%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 4.6%
-0.4pp YoY
0.0pp QoQ
 -8.0pp 12.6% 5.6% 11.6% 7%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 2.0% 1.7% 54%
Net Income ($, YTD) $2.5M
+0.8% YoY
— QoQ
 -$16.8M $19.2M $31.7M $40.4M 4%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#30 of 361 • Bottom 8.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.04%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#54 of 172 • Bottom 30.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.33%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 100.04%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

158
Tier 1 Capital Ratio
capital
Value: 16.33%
Peer Median: 14.84%
#158 of 885 Top 17.7% in $1B-$10B

Top Weaknesses (9 metrics)

881
Total Assets
size
Value: $1.01B
Peer Median: $2.79B
#881 of 885 Bottom 0.6% in $1B-$10B
865
Total Deposits
size
Value: $822.62M
Peer Median: $2.32B
#865 of 885 Bottom 2.4% in $1B-$10B
827
Net Interest Margin
profitability
Value: 2.70%
Peer Median: 3.87%
#827 of 885 Bottom 6.7% in $1B-$10B
823
Return on Assets
profitability
Value: 0.49%
Peer Median: 1.39%
#823 of 885 Bottom 7.1% in $1B-$10B
799
Efficiency Ratio
profitability
Value: 76.71%
Peer Median: 59.73%
#799 of 885 Bottom 9.8% in $1B-$10B
762
Loan-to-Deposit Ratio
liquidity
Value: 100.04%
Peer Median: 85.04%
#762 of 885 Bottom 14.0% in $1B-$10B
745
Total Loans
size
Value: $822.99M
Peer Median: $1.96B
#745 of 885 Bottom 15.9% in $1B-$10B
695
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#695 of 885 Bottom 21.6% in $1B-$10B
681
Non-Interest-Bearing Deposit Share
funding
Value: 13.85%
Peer Median: 21.27%
#681 of 885 Bottom 23.2% in $1B-$10B
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