Adams Community Bank

BankAdams, Massachusetts
www.adamscommunity.com

Total Assets

$1.0B

Total Deposits

$830.4M

Branches

10

Established

1869

TFS Health Grade

$
D+

69.9 / 100

Below average financial health

How we grade

Adams Community Bank is a bank headquartered in Adams, Massachusetts, established in 1869. With $1.0B in total assets and 10 branch locations, it has a TFS Financial Health Grade of D+ (69.9/100).

Capital & Safety

Tier 1 Capital Ratio
9.90%(8%)
Total Capital Ratio
16.85%(10%)
Non-Performing Loan Ratio
0.29%

Profitability

Return on Assets (ROA)
0.50%(1%)
Return on Equity (ROE)
5.13%(10%)
Net Interest Margin
2.53%
Efficiency Ratio
75.48%(60%)

Lending & Liquidity

Total Loans
$845.9M
Loan-to-Deposit Ratio
101.25%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
-0.34%
Deposit Growth (YoY)
+1.40%
Net Income
$5.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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