Adams Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Adams Community Bank is an FDIC-insured savings bank headquartered in Adams, MA, established in 1869 (FDIC certificate 90140), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.01B, down 3.6% from Q2 2025, the 48th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 16.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90140
- Headquarters
- Adams, MA
- Established
- 1869
- Total assets, Q2 2026
- $1.01B
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 16.33%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211871523
- Latest call report
- Q2 2026, FFIEC 051 · Adams Community Bank call report
- Holding company
- COMMUNITY BANCORP OF THE BERKSHIRES INC
- Asset rank in state
- 48th of 89 in Massachusetts
Adams Community Bank spends more to run itself than most banks of its size. Based in Adams, Massachusetts, it had $1.0 billion in assets at June 30, 2026, down 3.6% from a year earlier. It earns about $0.49 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.72 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Loans and deposits moved in opposite directions: over the year loans fell 5.2% and deposits rose 1.8%. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Adams Community Bank reported a CET1 capital ratio of 16.33%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 3.14%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Adams Community Bank is the 48th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $1.01B, loans fell 1.1% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 85.7% of total loans, followed by non-owner-occupied commercial real estate loans at 4.8%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in MA; its Adams 2 offices book 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Adams Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 Center St, Adams, MA 01220
- County
- Berkshire
- Metro Area
- Pittsfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1869
- Former names
- South Adams Savings Bank (1971-2012)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $822.6M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $1.02B
- Average total loans
- $832.5M
- Average interest-bearing deposits
- $691.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 24, 1985
- FDIC Cert
- 90140
- Fed RSSD
- 343903
- Website
- www.adamscommunity.com →
- Parent Holding Company
- COMMUNITY BANCORP OF THE BERKSHIRES INC (RSSD 5626955)
- Ultimate Parent
- COMMUNITY BANCORP OF THE BERKSHIRES MHC (RSSD 5626937)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Adams Community Bank's total assets ran between $991.3M (Q3 2023) and $1.05B (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.01B total assets against $1.04B; $899.0M total liabilities against $944.6M.
$823.0M net loans and leases against $868.6M; $822.6M total deposits against $807.7M.
$107.5M securities against $101.7M; $20.8M cash and balances due against $20.5M.
$11.3M total interest income against $11.4M; $4.7M total interest expense against $5.2M.
$6.6M net interest income against $6.2M.
$802K total noninterest income against $855K; $5.6M total noninterest expense against $5.2M.
$151K provision for credit losses against $42K.
$1.3M net income against $1.4M.
0.49% return on assets against 0.53%; 2.72% net interest margin against 2.48%.
16.33% CET1 capital ratio against 15.23%; 10.34% tier 1 leverage ratio against 9.58%.
Inside the full Adams Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Adams Community Bank rankings
Its closest position to the top of a national ranking is 232 of 980, for uninsured deposits; its furthest is 3,254 of 3,611, for ROA.
Metric pages for Adams Community Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q3 2024) to 0.58% (Q3 2025) and its net interest margin ran from 2.24% (Q3 2024) to 2.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.33% | 0.49% | 0.40% | 3.14% | 2.72% |
| Q1 2026 | 16.09% | 0.48% | 0.43% | 3.42% | 2.61% |
| Q4 2025 | 16.04% | 0.44% | 0.29% | 2.36% | 2.50% |
| Q3 2025 | 15.68% | 0.58% | 0.23% | 2.00% | 2.55% |
| Q2 2025 | 15.23% | 0.53% | 0.45% | 4.04% | 2.48% |
| Q1 2025 | 14.92% | 0.41% | 0.32% | 2.88% | 2.44% |
| Q4 2024 | 14.90% | 0.27% | 0.28% | 2.63% | 2.25% |
| Q3 2024 | 14.95% | 0.25% | 0.37% | 3.45% | 2.24% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Adams Community Bank (main office) | Adams , MA | 01220 | $208.4M |
| Park Street Branch | Adams , MA | 01220 | $188.0M |
| North Adams Branch | North Adams , MA | 01247 | $80.8M |
| Pittsfield Branch Office | Pittsfield , MA | 01201 | $66.3M |
| Williamstown Branch | Williamstown , MA | 01267 | $66.2M |
| Lenox National Bank Branch | Lenox , MA | 01240 | $62.5M |
| Great Barrington Branch | Great Barrington , MA | 01230 | $43.7M |
| Cheshire Branch | Cheshire , MA | 01225 | $42.8M |
| Lanesboro Branch | Lanesboro , MA | 01237 | $33.5M |
| Lee Branch | Lee , MA | 01238 | $30.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 17, 2015 | Structure Change | Acquired The Lenox National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2012 | Structure Change | Acquired Adams Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 56 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 452 applications, 296 loans originated, $84.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $519K approved, $173K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Adams Community Bank
What are Adams Community Bank's total assets?
As of the Q2 2026 filing, Adams Community Bank reported total assets of $1.01 billion in its FFIEC call report.
Where is Adams Community Bank headquartered?
It is headquartered in Adams, MA, United States.
When was Adams Community Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Adams Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adams Community Bank?
Adams Community Bank's primary federal regulator is the FDIC.
What is Adams Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Adams Community Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adams Community Bank's Texas Ratio?
Its Texas Ratio is 3.14% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Adams Community Bank previously called?
The charter now named Adams Community Bank has also operated as South Adams Savings Bank (1971-2012), per FDIC structure-change records.
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