Adams Community Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Adams Community Bank is the primary bank subsidiary of its parent holding company, headquartered in Adams, MA. Returns are subdued: 0.49% ROA and 4.67% ROE. Adams Community's Q2 2026 balance sheet shows $1.0B in assets funded primarily by $823M in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 16.33% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.40%. 10 branches make up the footprint.
As of June 30, 2026, Adams Community Bank reported a CET1 capital ratio of 16.33%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.40%, a Texas ratio of 3.14%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2 Center St, Adams, MA 01220
- County
- Berkshire
- Metro Area
- Pittsfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1869
- Former names
- South Adams Savings Bank (1971-2012)
- Offices
- 10 domestic
- Employees (FTE)
- 116
- Domestic deposits
- $822.6M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $6K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 24, 1985
- FDIC Cert
- 90140
- Fed RSSD
- 343903
- Website
- www.adamscommunity.com →
- Parent Holding Company
- COMMUNITY BANCORP OF THE BERKSHIRES INC (RSSD 5626955)
- Ultimate Parent
- COMMUNITY BANCORP OF THE BERKSHIRES MHC (RSSD 5626937)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Adams Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Adams Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Adams Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Adams Community Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.33% | 0.49% | 0.40% | 3.14% | 2.72% |
| Q1 2026 | 16.09% | 0.48% | 0.43% | 3.42% | 2.61% |
| Q4 2025 | 16.04% | 0.44% | 0.33% | 2.70% | 2.50% |
| Q3 2025 | 15.68% | 0.58% | 0.27% | 2.35% | 2.55% |
| Q2 2025 | 15.23% | 0.53% | 0.49% | 4.40% | 2.48% |
| Q1 2025 | 14.92% | 0.41% | 0.36% | 3.25% | 2.44% |
| Q4 2024 | 14.90% | 0.27% | 0.32% | 3.01% | 2.25% |
| Q3 2024 | 14.95% | 0.25% | 0.37% | 3.45% | 2.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Adams Community Bank (main office) | Adams , MA | 01220 | $208.4M |
| Park Street Branch | Adams , MA | 01220 | $188.0M |
| North Adams Branch | North Adams , MA | 01247 | $80.8M |
| Pittsfield Branch Office | Pittsfield , MA | 01201 | $66.3M |
| Williamstown Branch | Williamstown , MA | 01267 | $66.2M |
| Lenox National Bank Branch | Lenox , MA | 01240 | $62.5M |
| Great Barrington Branch | Great Barrington , MA | 01230 | $43.7M |
| Cheshire Branch | Cheshire , MA | 01225 | $42.8M |
| Lanesboro Branch | Lanesboro , MA | 01237 | $33.5M |
| Lee Branch | Lee , MA | 01238 | $30.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 17, 2015 | Structure Change | Acquired The Lenox National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2012 | Structure Change | Acquired Adams Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Adams Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MA, rank 56 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 452 applications, 296 loans originated, $84.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Adams Community Bank
What are Adams Community Bank's total assets?
As of the Q2 2026 filing, Adams Community Bank reported total assets of $1.01 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Adams Community Bank headquartered?
Adams Community Bank is headquartered in Adams, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Adams Community Bank founded?
Adams Community Bank was established in 1869, per the FDIC institution directory.
Is Adams Community Bank FDIC-insured?
Yes. Adams Community Bank is an FDIC-insured commercial bank (FDIC Certificate #90140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adams Community Bank?
Adams Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Adams Community Bank's CET1 capital ratio?
Adams Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Adams Community Bank operate?
Adams Community Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adams Community Bank's Texas Ratio?
Adams Community Bank's Texas Ratio is 3.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Adams Community Bank previously called?
The charter now named Adams Community Bank has also operated as South Adams Savings Bank (1971-2012), per FDIC structure-change records.
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