ADAMS COMMUNITY BANK

ADAMS, MA | Large | Est. May 1, 1869, midnight | FDIC #90140 | RSSD #343903 | FDIC
Latest Report: 2025-12-31

ADAMS COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in ADAMS, MA, established in May 1, 1869, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $830M. Profitability stands at 0.45% ROA and 4.44% ROE, with a net interest margin of 2.61%. The bank's CET1 capital ratio is 16.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 2.19%. FDIC Certificate #90140.

Assets

$1.0B

Deposits

$830M

Loans

$846M

Equity

$106M

Profitability

Return on Assets (ROA) 0.45%
Return on Equity (ROE) 4.44%
Net Interest Margin (NIM) 2.61%
Yield on Assets 4.79%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.19%
NPA Ratio 0.24%
ACL / Loans 0.61%

Capital & Liquidity

CET1 Ratio 16.04%
Tier 1 Capital 16.04%
Total Capital Ratio 16.85%
Leverage Ratio 9.90%
Loan-to-Deposit 101.87%

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