BlastPoint's Banking Scorecard

Adams Community Bank

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

Designations: ✓ Community bank

Adams, MA

10 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in 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 11.7% in tier
- Liquidity Overhang: Bottom 30.5% in tier
- Return on Assets 0.89% below tier average
- Net Interest Margin 1.18% below tier average
- Efficiency Ratio 16.57% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.0B -2.0% YoY -0.6% QoQ	-$1.8B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Bottom 2.6% in tier
Total Loans ?	$832.6M -3.9% YoY -1.0% QoQ	-$1.1B	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$826.8M +3.4% YoY -0.4% QoQ	-$1.5B	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Bottom 3.1% in tier
Return on Assets ?	0.48% +14.7% YoY -3.9% QoQ	-0.89%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 8.6% in tier
Net Interest Margin ?	2.64% +7.2% YoY +4.2% QoQ	-1.18%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 7.1% in tier
Efficiency Ratio ?	77.63% -2.0% YoY +2.9% QoQ	+16.57%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 10.7% in tier
Delinquency Rate ?	0.43% +35.0% YoY +47.4% QoQ	-0.46%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	59%
Loan-to-Deposit Ratio ?	100.70% -7.1% YoY -0.5% QoQ	+16.50%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 12.1% in tier
Non-Interest-Bearing Deposit Share ?	13.60% +33.0% YoY -0.5% QoQ	-7.69%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.35% +32.3% YoY +46.9% QoQ	-0.33%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	16.09% +7.9% YoY +0.3% QoQ	+0.93%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.08% +12.6% YoY -76.5% QoQ	-0.18%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	22%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#40 of 334 • Bottom 11.7% 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: 100.70%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#54 of 174 • Bottom 30.5% 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: 16.09%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 100.70%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

166

Tier 1 Capital Ratio

capital

Value: 16.09%

Peer Median: 15.16%

#166 of 884 Top 18.7% in $1B-$10B

Top Weaknesses (9 metrics)

862

Total Assets

size

Value: $1.03B

Peer Median: $2.82B

#862 of 884 Bottom 2.6% in $1B-$10B

858

Total Deposits

size

Value: $826.78M

Peer Median: $2.34B

#858 of 884 Bottom 3.1% in $1B-$10B

822

Net Interest Margin

profitability

Value: 2.64%

Peer Median: 3.82%

#822 of 884 Bottom 7.1% in $1B-$10B

809

Return on Assets

profitability

Value: 0.48%

Peer Median: 1.37%

#809 of 884 Bottom 8.6% in $1B-$10B

790

Efficiency Ratio

profitability

Value: 77.63%

Peer Median: 61.06%

#790 of 884 Bottom 10.7% in $1B-$10B

778

Loan-to-Deposit Ratio

liquidity

Value: 100.70%

Peer Median: 84.20%

#778 of 884 Bottom 12.1% in $1B-$10B

732

Total Loans

size

Value: $832.59M

Peer Median: $1.96B

#732 of 884 Bottom 17.3% in $1B-$10B

689

Non-Interest-Bearing Deposit Share

funding

Value: 13.60%

Peer Median: 21.29%

#689 of 884 Bottom 22.2% in $1B-$10B

687

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#687 of 884 Bottom 22.4% in $1B-$10B