TellerScore

Adams Community Bank (FDIC certificate #90140) is based in Adams, Massachusetts. Its Q2 2026 call report shows $1.0B in total assets and $822.6M in deposits and 10 offices.

Based on its Q2 2026 filing, Adams Community Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 67th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (29/100; 100% loans-to-deposits, 43% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.34%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings39/100
Return on assets (annualized): 0.49%
Funding & liquidity29/100
Loans ÷ deposits and uninsured-deposit share: 100.0% · 42.7% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (56 → 59), mostly because the capital cushion component improved by 7 points.

TellerScore
565860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202456
Q4 202457
Q1 202556
Q2 202556
Q3 202559
Q4 202560
Q1 202659
Q2 202659
Tier 1 leverage ratio
5.00%7.67%10.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.47%
Q3 20249.48%
Q4 20249.47%
Q1 20259.52%
Q2 20259.58%
Q3 20259.70%
Q4 20259.90%
Q1 202610.14%
Q2 202610.34%
Noncurrent loans
0.23%0.34%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.37%
Q4 20240.28%
Q1 20250.32%
Q2 20250.45%
Q3 20250.23%
Q4 20250.29%
Q1 20260.43%
Q2 20260.40%
Return on assets
0.24%0.38%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.25%
Q4 20240.25%
Q1 20250.42%
Q2 20250.47%
Q3 20250.51%
Q4 20250.50%
Q1 20260.48%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.0B10.34%0.40%0.49%100.0%
Q1 202659$1.0B10.14%0.43%0.48%100.7%
Q4 202560$1.0B9.90%0.29%0.50%101.3%
Q3 202559$1.0B9.70%0.23%0.51%104.4%
Q2 202556$1.0B9.58%0.45%0.47%107.5%
Q1 202556$1.0B9.52%0.32%0.42%108.4%
Q4 202457$1.0B9.47%0.28%0.25%105.1%
Q3 202456$1.0B9.48%0.37%0.25%106.6%
Q2 202456$1.0B9.47%0.35%0.24%104.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.34%
46th
Total risk-based capital17.16%
83rd
Problem loans0.40%
60th
Net charge-offs0.00%
76th
Return on assets0.49%
8th
Net interest margin2.70%
7th
Efficiency ratio76.7%
10th
Loans to deposits100.0%
14th
Uninsured deposits42.7%
21st
Loan-loss reserves0.64%
8th
Texas ratio2.9%
58th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
OneLocal BankBank Norwood, MA75 out of 100, Strong$1.1B13.7%0.21%vs
Cape Ann Savings BankBank Gloucester, MA86 out of 100, Very strong$1.1B20.5%0.59%vs
MountainOne BankBank North Adams, MA73 out of 100, Strong$1.1B14.7%1.06%vs
Winchester Savings BankBank Winchester, MA59 out of 100, Moderate$1.1B9.6%0.18%vs
Pentucket BankBank Haverhill, MA63 out of 100, Moderate$1.1B11.7%0.79%vs
Reading Co-operative BankBank Reading, MA56 out of 100, Moderate$1.2B7.3%0.06%vs

Deposit insurance

Is my money safe at Adams Community Bank?

Yes. Adams Community Bank is an FDIC-insured institution (FDIC certificate #90140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.7% of deposits ($351.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.16% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Adams Community Bank lists 10 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Adams Community Bank reported 442 home-loan applications under HMDA (LEI 549300J5W91RLNLMTL86): 296 originated ($84,150,000 total), 72 denied, and 65 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Adams Community Bank
Former names
South Adams Savings Bank
Type
SI
FDIC certificate #
90140
RSSD ID
343903
Primary regulator
FDIC
Holding company
Community Bcorp Berkshires Mhc
Established
May 1, 1869
Headquarters
2 Center St, Adams, MA 01220
Employees
116

Quick answers

Adams Community Bank: common questions

Is Adams Community Bank FDIC insured?

Yes. Adams Community Bank is an FDIC-insured institution (FDIC certificate #90140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Adams Community Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Adams Community Bank ever failed?

There is no failure record for FDIC certificate #90140 in the FDIC failed bank list.

How many branches does Adams Community Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Adams

InstitutionScoreAssetsCapitalProblem loansCompare
Florence BankBank Florence, MA74 out of 100, Strong$2.0B12.2%0.46%vs
MountainOne BankBank North Adams, MA73 out of 100, Strong$1.1B14.7%1.06%vs
Eastrise Federal Credit UnionCredit union Williston, VT73 out of 100, Strong$3.2B12.3%0.60%vs
Heritage Family Federal Credit UnionCredit union Rutland, VT71 out of 100, Strong$869.8M12.1%0.86%vs
Greenfield Co-operative BankBank Greenfield, MA71 out of 100, Strong$901.8M12.5%0.72%vs
The Bank of BenningtonBank Bennington, VT70 out of 100, Strong$661.9M11.4%0.40%vs