Adams Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.31 percentage points higher than in Q1 2026, at 159.72%. Adams Community Bank ranks 62nd of 89 Massachusetts banks on return on assets, in the lower half at 0.49% (Q2 2026). Adams Community Bank's return on assets of 0.49% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.33% |
| Tier 1 risk-based capital ratio | 16.33% |
| Total risk-based capital ratio | 17.16% |
| Tier 1 leverage ratio | 10.34% |
| Equity capital to assets | 10.75% |
| Tangible equity to tangible assets | 10.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.14% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | 159.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 4.67% |
| Net interest margin | 2.72% |
| Efficiency ratio | 75.43% |
| Yield on earning assets | 4.67% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.69% |
| Core deposits to total deposits | 84.61% |
| Brokered deposits to total deposits | 3.96% |
| Deposits to assets | 81.67% |
| Securities to assets | 10.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.34% | 15.34% | 16.14% | 9.63% | 1.02% |
| Q4 2023 | 15.16% | 15.16% | 15.96% | 9.46% | 0.20% |
| Q1 2024 | 15.05% | 15.05% | 15.86% | 9.46% | 0.10% |
| Q2 2024 | 14.99% | 14.99% | 15.80% | 9.47% | 0.38% |
| Q3 2024 | 14.95% | 14.95% | 15.76% | 9.48% | 0.25% |
| Q4 2024 | 14.90% | 14.90% | 15.70% | 9.47% | 0.27% |
| Q1 2025 | 14.92% | 14.92% | 15.71% | 9.52% | 0.41% |
| Q2 2025 | 15.23% | 15.23% | 16.02% | 9.58% | 0.53% |
| Q3 2025 | 15.68% | 15.68% | 16.50% | 9.70% | 0.58% |
| Q4 2025 | 16.04% | 16.04% | 16.85% | 9.90% | 0.44% |
| Q1 2026 | 16.09% | 16.09% | 16.89% | 10.14% | 0.48% |
| Q2 2026 | 16.33% | 16.33% | 17.16% | 10.34% | 0.49% |
Adams Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)