Adams Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.41 percentage points lower than in Q1 2026, at 63.03%. Adams Community Bank ranks 28th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 100.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Adams Community Bank sits 12.49 points higher, at 100.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $828.3M |
| Net loans and leases | $823.0M |
| Loans held for sale | $172K |
| Loans to total assets | 82.23% |
| Loan-to-deposit ratio | 100.69% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.31% |
| Multifamily (5+ residential) | 1.82% |
| Commercial and industrial | 1.59% |
| Consumer | 0.70% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.03% |
| Construction concentration (Tier 1 capital + allowance) | 13.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.90% |
| Interest income on loans | $10.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $815.3M | $810.1M | 8.17% | 1.91% | 1.12% |
| Q4 2023 | $831.6M | $781.0M | 8.00% | 1.84% | 1.07% |
| Q1 2024 | $837.9M | $812.7M | 8.00% | 1.87% | 1.03% |
| Q2 2024 | $851.2M | $808.7M | 8.01% | 1.95% | 0.99% |
| Q3 2024 | $857.6M | $799.3M | 8.24% | 1.80% | 0.99% |
| Q4 2024 | $865.8M | $818.9M | 8.25% | 1.74% | 0.87% |
| Q1 2025 | $871.8M | $799.4M | 9.79% | 1.75% | 0.83% |
| Q2 2025 | $873.8M | $807.7M | 8.98% | 1.66% | 0.82% |
| Q3 2025 | $866.8M | $825.2M | 8.45% | 1.58% | 0.81% |
| Q4 2025 | $845.9M | $830.4M | 8.01% | 1.53% | 0.79% |
| Q1 2026 | $837.7M | $826.8M | 8.37% | 1.59% | 0.74% |
| Q2 2026 | $828.3M | $822.6M | 8.31% | 1.59% | 0.70% |
Adams Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Community Bank, freeSource: Call Report Schedule RC-C, 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)