Adams Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.32 percentage points to 10.75%. Adams Community Bank ranks 19th of 59 Massachusetts banks on CET1 ratio, in the upper half at 16.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Adams Community Bank sits 2.85 points higher, at 16.33% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.33% |
| Tier 1 risk-based capital ratio | 16.33% |
| Total risk-based capital ratio | 17.16% |
| Tier 1 leverage ratio | 10.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $105.1M |
| Tier 1 capital | $105.1M |
| Total risk-based capital | $110.4M |
| Total equity capital | $108.2M |
| Risk-weighted assets | $643.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.75% |
| Tangible equity to tangible assets | 10.03% |
| Equity capital to average assets | 10.57% |
| Internal capital growth rate | 4.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $113.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.34% | 15.34% | 16.14% | 9.63% | $615.4M |
| Q4 2023 | 15.16% | 15.16% | 15.96% | 9.46% | $625.9M |
| Q1 2024 | 15.05% | 15.05% | 15.86% | 9.46% | $631.9M |
| Q2 2024 | 14.99% | 14.99% | 15.80% | 9.47% | $641.2M |
| Q3 2024 | 14.95% | 14.95% | 15.76% | 9.48% | $647.2M |
| Q4 2024 | 14.90% | 14.90% | 15.70% | 9.47% | $654.0M |
| Q1 2025 | 14.92% | 14.92% | 15.71% | 9.52% | $660.6M |
| Q2 2025 | 15.23% | 15.23% | 16.02% | 9.58% | $656.0M |
| Q3 2025 | 15.68% | 15.68% | 16.50% | 9.70% | $647.1M |
| Q4 2025 | 16.04% | 16.04% | 16.85% | 9.90% | $639.5M |
| Q1 2026 | 16.09% | 16.09% | 16.89% | 10.14% | $645.2M |
| Q2 2026 | 16.33% | 16.33% | 17.16% | 10.34% | $643.4M |
Adams Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Adams Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90140) · FFIEC NIC profile (RSSD 343903)