Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #90140 · Adams, Massachusetts · Est. 1869
Adams Community Bank - FDIC Bank Health Profile
A community-scale look at Adams Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- B
- Health grade · Good
- 0.50%
- Return on assets
- 16.0%
- Tier 1 capital
Data updated July 2026
The verdict
Adams Community Bank earns a PlainBankData health grade of B (71/100), with well-capitalized at 16.04% Tier 1, 0.50% ROA, 75% efficiency ratio.
- #1,014
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 16.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Adams Community Bank's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Adams Community Bank's composite health score
Tier 1 Capital Ratio (16.04%) 40/40
Return on Assets (ROA) (0.50%) 7/25
Texas Ratio (2.19%) 20/20
Efficiency Ratio (75.48%) 4/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$830M
Customer-funded liabilities
Net Loans
$841M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Adams Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Adams Community Bank's score of 71/100 falls in the highlighted band.
Adams Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Adams Community Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.04%
Texas Ratio
2.19%
Equity Capital
$106M
Profitability metrics
Return on Assets (ROA)
15th percentile nationally
0.50%
Return on Equity (ROE)
5.13%
Efficiency Ratio
75.48%
What the numbers say about Adams Community Bank
Adams Community Bank is an FDIC-insured institution (Certificate #90140) headquartered in Adams, Massachusetts, established in 1869. It holds $1.0B in total assets - 1,014th of 4,313 FDIC-insured banks, $830M in customer deposits, and $841M in net loans. Its capital position: a Tier 1 ratio of 16.04%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.19% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (71 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Adams Community Bank sits 48th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$46M
Interest Income
$3M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Adams Community Bank reports a Texas Ratio of 2.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Adams Community Bank (FDIC Cert #90140) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Adams Community Bank's health grade?▼
Adams Community Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Adams Community Bank?▼
Adams Community Bank holds $1.0B in total assets and $830M in deposits, ranking 1,014th of 4,313 FDIC-insured banks by asset size. It is headquartered in Adams, Massachusetts.
Is my money safe at Adams Community Bank?▼
Yes, deposits at Adams Community Bank (Certificate #90140) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Adams Community Bank's Tier 1 Capital Ratio?▼
Adams Community Bank has a Tier 1 Capital Ratio of 16.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Adams Community Bank?▼
Adams Community Bank has a Texas Ratio of 2.19%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Adams Community Bank?▼
Adams Community Bank has an Efficiency Ratio of 75.48%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Adams Community Bank's profile as a depositor or analyst.
- Adams Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Adams Community Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.