Vitals
  • Total Assets
    487.5M 4.1 %
  • Total Deposits
    408.1M 4.1 %
  • Total Net Loans
    394.0M 6.6 %
  • Net Income
    2.6M 861.4 %
  • Book Value
    50.7M 4.8 %
  • Book Value x2
    101.4M 4.8 %
  • Book Value x3
    152.0M 4.8 %
ROAA

.548

ROAE

5.243

Efficiency Ratio

78.557

Net Interest Margin

3.36

Balance Sheet Highlights
Financial Highlights Adams Community Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 487,536 761,274
Total Net Loans 393,968 592,852
Total Deposits 408,089 596,855
Total Equity 50,676 82,059
Profitability
Net Income 2,615 4,648
Return on Average Assets .548 .538
Return on Average Equity 5.243 4.944
Net Interest Margin 3.36 3.143
Efficiency Ratio 78.557 77.098
Noninterest Income/Revenue 13.357 14.538
Balance Sheet Ratios
Loan-to-Deposit 96.54 95.714
Securities/Assets .085 .124
Total Equity/Total Assets .104 .108
Tangible Equity/Tangible Assets .087 .106
Capital Adequacy
Tier 1 Common Capital 43,935 80,540
Tier 1 Capital 43,935 80,580
Tier 2 Capital 3,560 5,839
Total Capital 47,495 86,408
Total Risk Weighted Assets 311,899 559,688
Leverage Ratio 9.19 10.827
Common Equity Tier 1 Capital Ratio 14.09 15.478
Tier 1 Capital Ratio 14.09 15.53
Total Capital Ratio 15.23 16.563

Timeline for Adams Community Bank

The Lenox National Bank

Acquisition: Adams Community Bank acquired a new subsidiary, The Lenox National Bank, 8 years

View Profile Oct 17 2015

Adams Co-Operative Bank

Acquisition: Adams Community Bank acquired a new subsidiary, Adams Co-Operative Bank, 12 years

View Profile Feb 25 2012

Adams Community Bank

Adams Community Bank was established 155 years ago and is currently headquartered in Adams, MA.

May 01 1869
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Lenox National Bank Seller 64,690 Acquisition Discontinued 10/17/2015
Adams Co-Operative Bank Seller 193,424 Acquisition Discontinued 2/25/2012
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
Belmont Savings Bank
 		Bellaire OH 465.7M
Woodsville Guaranty Savings Bank
 		Woodsville NH 453.5M
Savers Co-Operative Bank
 		Southbridge MA 492.0M
Crest Savings Bank
 		Wildwood NJ 457.9M
Mechanics Bank
 		Mansfield OH 475.0M
Reliance Savings Bank
 		Altoona PA 434.8M
Biddeford Savings Bank
 		Biddeford ME 433.9M
Eagle Bank
 		Everett MA 433.2M
Sanford Institution For Savings
 		Sanford ME 522.4M
Mechanics Cooperative Bank
 		Taunton MA 502.6M