Adams Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.73 percentage points to 4.78%. Within Massachusetts, Adams Community Bank is 65th of 89 on net interest margin, 2.72% as of Q2 2026, below the middle of the field. Adams Community Bank reported 2.72% on net interest margin for Q2 2026, 0.99 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 4.90% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 4.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.72% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.2M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $3.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.05% | 1.85% | 2.41% | 4.20% | 3.09% |
| Q4 2023 | 4.17% | 2.14% | 2.28% | 4.32% | 3.14% |
| Q1 2024 | 4.21% | 2.35% | 2.11% | 4.37% | 3.11% |
| Q2 2024 | 4.33% | 2.44% | 2.16% | 4.49% | 3.12% |
| Q3 2024 | 4.50% | 2.55% | 2.24% | 4.62% | 3.01% |
| Q4 2024 | 4.46% | 2.50% | 2.25% | 4.65% | 2.88% |
| Q1 2025 | 4.56% | 2.39% | 2.44% | 4.77% | 2.88% |
| Q2 2025 | 4.55% | 2.30% | 2.48% | 4.75% | 2.86% |
| Q3 2025 | 4.64% | 2.31% | 2.55% | 4.84% | 2.89% |
| Q4 2025 | 4.58% | 2.31% | 2.50% | 4.82% | 2.88% |
| Q1 2026 | 4.52% | 2.12% | 2.61% | 4.82% | 2.87% |
| Q2 2026 | 4.67% | 2.15% | 2.72% | 4.90% | 2.98% |
Adams Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)