Adams Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Adams Community Bank of Adams, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.49% | 1.46% | -0.97% | 9th bottom |
| ROAE | 4.67% | 12.72% | -8.05% | 9th bottom |
| Net Interest Margin | 2.72% | 3.85% | -1.13% | 7th bottom |
| Efficiency Ratio | 75.43% | 57.40% | +18.03% | 12th bottom |
| PPNR / Avg Assets | 0.70% | 1.88% | -1.18% | 7th bottom |
| Yield on Earning Assets | 4.67% | 5.72% | -1.05% | 10th bottom |
| Cost of Funds | 2.15% | 2.02% | +0.13% | 41st below |
| Net Interest Spread | 2.27% | 3.18% | -0.91% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 1.00% | -0.60% | 65th above |
| NPA / Total Assets | 0.33% | 0.76% | -0.43% | 62nd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 70th above |
| ACL / Total Loans | 0.64% | 1.31% | -0.67% | 7th bottom |
| ACL / NPLs (Coverage) | 159.72% | 543.50% | -383.78% | 46th below |
| Texas Ratio | 3.14% | 7.39% | -4.25% | 64th above |
| Provision / NCO | 2566.67% | 617.70% | +1948.97% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.33% | 17.34% | -1.01% | 80th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.33% | 17.37% | -1.04% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.16% | 18.42% | -1.26% | 78th top |
| Leverage Ratio | 10.34% | 11.44% | -1.10% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.75% | 11.34% | -0.59% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.03% | 10.50% | -0.47% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.69% | 86.95% | +13.74% | 16th bottom |
| Core Deposit Ratio | 84.61% | 85.55% | -0.94% | 33rd below |
| Uninsured Deposit Ratio | 42.72% | 33.12% | +9.60% | 21st bottom |
| Wholesale Funding Ratio | 6.75% | 5.70% | +1.05% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.57% | 9.69% | -13.26% | 5th bottom |
| Loan Growth (Y/Y) | -5.21% | 8.06% | -13.27% | 5th bottom |
| Deposit Growth (Y/Y) | 1.85% | 7.87% | -6.02% | 29th below |
See Adams Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Adams Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Adams Community Bank profile, how to read a UBPR, or how this data updates.