BanksADAMS COMMUNITY BANK

ADAMS COMMUNITY BANK

ADAMS, MALargeEst. May 1, 1869, midnightFDIC #90140RSSD #343903FDIC
Latest · 2025-12-31

ADAMS COMMUNITY BANK is an 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%. CET1 capital ratio: 16.04%, well above regulatory minimums. NPL ratio: 0.29% · Texas Ratio: 2.19%. Operates 10 domestic branches.

Assets
$1.0B
Deposits
$830M
Loans
$846M
Equity
$106M

Profitability

Return on Assets (ROA)0.45%
Return on Equity (ROE)4.44%
Net Interest Margin2.61%
Yield on Assets4.79%
Cost of Funds2.25%

Asset Quality

NPL Ratio0.29%
Net Charge-Off Ratio0.03%
Texas Ratio2.19%
NPA Ratio0.24%
ACL / Loans0.61%

Capital & Liquidity

CET1 Ratio16.04%
Tier 1 Capital16.04%
Total Capital Ratio16.85%
Leverage Ratio9.90%
Loan-to-Deposit101.87%

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