Adams Community Bank
Adams, MA
IDRSSD: 343903
Total Assets
$1.03B
Latest filing
Total Deposits
$825.16M
Latest filing
Net Interest Margin
2.60%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Adams Community Bank
2 Center St
Adams, MA 01220
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/01/1869FDIC Certificate 17735
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Adams Community Bank (Main) | 2 Center St | Adams, MA |
| LENOX NATIONAL BANK BRANCH | 7 Main St | Lenox, MA |
| NORTH ADAMS BRANCH | 31 Eagle St | North Adams, MA |
| LANESBORO BRANCH | 545 S Main St | Lanesboro, MA |
| CHESHIRE BRANCH | 75 South St | Cheshire, MA |
| WILLIAMSTOWN BRANCH | 273 Main St | Williamstown, MA |
| PARK STREET BRANCH | 93 Park St | Adams, MA |
| LEE BRANCH | 41 Park St | Lee, MA |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 05/01/1869 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01220 |
| State and County Number | 25003 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Pittsfield, MA |
Operational Info
| Number of Employees | 118 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 07/24/1985 |
| Primary Insurance Agency | DIF |
| Website | www.adamscommunity.com |
| Data Updated | 11/14/2025 |
| CERT | 90140 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $825.16M |
| Total Liabilities | $932.07M |
| Total Equity Capital | $102.43M |
| Net Income | $1.53M |
| Net Loans and Leases | $861.50M |
| Assets Per Employee ($Millions) | $8.92M |
| Bank Premises and Fixed Assets | $8.68M |
| Cash and Balances due from Depository Institutions | $14.80M |
| Deposits Held in Domestic Offices | $825.16M |
Key Performance Ratios
| Return on Assets (ROA) | 0.59% |
| Return on Equity (ROE) | 6.07% |
| Net Interest Margin | 2.6% |
| Efficiency Ratio | 70.74% |
| Tier 1 Risk-Based Capital Ratio | 15.678% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.902% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $11.64M |
| Total Noninterest Income | $982.00k |
| Total Interest Expense | $5.27M |
| Total Noninterest Expense | $5.20M |
| Net Interest Income | $6.37M |
| Pre-tax Net Operating Income | $2.04M |
| Provision for Credit Losses | $116.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $97.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.72M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.62M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $101.32M |
| Available-for-sale debt securities | $101.32M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Adams Community Bank?
$1.03B as of the latest filing.
How much are Adams Community Bank's total deposits?
$825.16M in total deposits.
Where is Adams Community Bank located?
Adams, MA.
What is the Net Interest Margin?
2.60%.
How many domestic offices does it operate?
10.
When was it established?
05/01/1869.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$861.50M (latest filing).
What is the total interest income (latest filing)?
$11.64M.