Adams Community Bank: how it compares with its peers
Against 44 MA banks with half to twice its assets, Adams Community Bank's strongest measure in Q2 2026 is efficiency ratio (76.71% vs. a 74.57% peer median). Its weakest relative measure is net interest margin (2.70% vs. 3.02%).
| Measure | Adams Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.49% | 0.62% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.70% | 3.02% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.71% | 74.57% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $9.5M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.04% | 93.39% | Context |
What it means for lending operations
Its efficiency ratio of 76.71% is above the 74.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Coastal Heritage Bank Weymouth, MA · $984M
- OneLocal Bank Norwood, MA · $1.05B
- Winchester Co-operative Bank Winchester, MA · $947M
- Cape Ann Savings Bank Gloucester, MA · $1.07B
- MountainOne Bank North Adams, MA · $1.08B
Questions about Adams Community Bank
How big is Adams Community Bank?
Adams Community Bank, established in 1869, is headquartered in Adams, MA. It reported $1.01B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Adams Community Bank's return on assets?
0.49% annualized in Q2 2026, against a 0.62% median for 44 MA banks with half to twice its assets, ahead of 34% of them.
What is Adams Community Bank's efficiency ratio?
76.71% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 74.57%, and lower is better.
Is Adams Community Bank growing its loans?
Net loans shrank 5.3% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.