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Adams Community Bank
Adams, MA · FDIC Certificate #90140 · Chartered 05/0
Total assets
$1.01B
Total deposits
$822.62M
Total equity
$108.24M
Net loans
$822.99M
Branches (offices)
10
Net income (YTD)
$2.48M
Rank: #1,040 of 4,213 U.S. banks by assets · #48 of 89 in Massachusetts. Assets changed -3.6% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.49% |
| Return on equity | 4.64% |
| Net interest margin (YTD) | 2.70% |
| Equity to assets | 10.75% |
| Tier 1 leverage ratio | 10.34% |
| Uninsured deposits (share of deposits) | 42.7% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 100.0% |
| Real estate loans (share of loans) | 98.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $808.66M | 98.3% | |
| Commercial & industrial | $13.18M | 1.6% | |
| Consumer / individual | $5.82M | 0.7% | |
| Construction & development | $15.03M | 1.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $921.67M | $813.74M | $2.69M | $83.80M |
| Jun 2023 | $964.25M | $792.80M | $1.99M | $85.54M |
| Jun 2024 | $1.02B | $808.70M | $1.23M | $91.42M |
| Jun 2025 | $1.04B | $807.70M | $2.46M | $99.84M |
| Jun 2026 | $1.01B | $822.62M | $2.48M | $108.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $822.62M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $822.62M.
Similar-sized banks
Maplemark Bank ($1.01B) · Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania ($1.01B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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