Adams Community Bank

2 Center Street
Adams, MA 01220


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 90140
Date Established 1869
Assets $0.59 billion
Loans $0.50 billion
Deposits $0.47 billion
Capital $0.06 billion

Adams Community Bank is an FDIC insured institution located in Adams, MA. It was founded in 1869 and has approximately $0.59 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Adams Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $49,999 Learn MoreShow Less
3 Mo CD
0.15% $10 - Learn MoreShow Less
6 Mo CD
0.30% $10 - Learn MoreShow Less
Special: 11 Mo CD
1.85% $10 - Learn MoreShow Less
12 Mo CD
0.50% $10 - Learn MoreShow Less
18 Mo CD
0.65% $10 - Learn MoreShow Less
24 Mo CD
0.85% $10 - Learn MoreShow Less
36 Mo CD
1.20% $10 - Learn MoreShow Less
48 Mo CD
1.15% $10 - Learn MoreShow Less
60 Mo CD
1.60% $10 - Learn MoreShow Less

Fixed IRA
0.50% $10 - Learn MoreShow Less
Special: 11 Mo FIRA
1.85% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $10 - Learn MoreShow Less
Checking Rates APY MIN FEE
Synergy Checking Account 2.25% $0 $0.00 Learn MoreShow Less
Circle Checking 0.00% $0 $0.00 Learn MoreShow Less
Community Checking 0.00% $10,000 $20.00 Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Adams Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.527% 3.500% 0.38 $852 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Adams Community Bank
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Adams Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Adams Community Bank Locations

Financial Details

Adams Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adams Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Adams Community Bank U.S. Bank Average
4.49% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Adams Community Bank had $2,479,000 in non-current loans and $168,000 in owned real estate. To cover these potential losses it had $55,011,000 in equity and $3,922,000 in loans loss reserves. That gives it a Texas Ratio of 4.49%.

Return on Equity
Adams Community Bank U.S. Bank Average
6.56% 9.47%

Adams Community Bank has a Return on Equity of 6.56% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Adams Community Bank U.S. Bank Average
9.3% 12.49%

Adams Community Bank has a Capitalization of 9.3% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Adams Community Bank Balance Sheet Analysis

As of March 31, 2019, Adams Community Bank had assets of $591,561,000, loans of $496,720,000, and deposits of $472,405,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.50 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.02 billion
     Total Assets $0.54 billion
Total deposits $0.47 billion
      Interest-bearing deposits $0.42 billion
      Deposits held in domestic offices $0.47 billion
      % insured (estimated) 79.87%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.54 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Adams Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Massachusetts, Adams Community Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 85.68
Credit Card Loans 0.00
Consumer Auto Loans 1.22
Small Business Loans 0.00
Construction and Development Loans 3.18
Commercial Real Estate 6.84
Commercial and Industrial Loans 1.78
Farm Loans 0.00

Frequently Asked Questions About Adams Community Bank

Branches and Savings

Is Adams Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #90140.

Why does Adams Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Adams Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Adams Community Bank a commercial bank?


Where are Adams Community Bank locations?

See branch locations nearby.

Is Adams Community Bank open on Saturdays?

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Are Adams Community Bank ATMs Open 24/7?

Do Adams Community Bank ATMs accept cash deposits?

Can Adams Community Bank customers use other ATMs?

Do Adams Community Bank branches have notaries?

Will Adams Community Bank notarize my document?

What address for Adams Community Bank should I put for incoming ACH transfers?

Will the Adams Community Bank branch print checks?

Do Adams Community Bank checks expire?

Does Adams Community Bank require US citizenship to open account?

Can Adams Community Bank close my account?

Does Adams Community Bank Report to credit bureaus?

Does Adams Community Bank Use Equifax?

What is Adams Community Bank's ACH Routing Number?

What is Adams Community Bank's SWIFT code?


Does Adams Community Bank offer mortgages?

Compare mortgage rates here.

Does Adams Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Adams Community Bank offer personal loans?

Compare personal loan rates here.

Does Adams Community Bank offer student loans?

Will Adams Community Bank cash a check?

Will Adams Community Bank redeem a savings bond?

Does Adams Community Bank cash savings bonds?

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Can Adams Community Bank issue a money order?

Does Adams Community Bank do currency exchange?

Background on The Bank

Who owns Adams Community Bank?

How long has Adams Community Bank been around?

Can Adams Community Bank transfer to other banks?

Does Adams Community Bank have quick pay?

Does Adams Community Bank accept rolled coins?

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