# ADAMS COOP BANK
ADAMS, MA · FDIC certificate 26568 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $193.4M | |
| Deposits | $148.3M | |
| Loans and leases | $153.4M | |
| Total equity | $18.9M | |
| Loans / deposits | 102.38% (p96 of band) | 70.28% |
| Liquid assets / assets | 13.26% (p6 of band) | |
| Uninsured deposits / deposits | 6.59% (p40 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.92% (p88 of band) | |
| FHLB advances / assets | 12.92% | |
| Tier 1 leverage | 9.24% (p38 of band) | 9.92% |
| Unrealized securities loss / equity | 2.56% (p45 of band) | 3.23% |
| AOCI / equity | 1.68% (p56 of band) | |
| ROA (annualized) | 0.17% (p22 of band) | 0.69% |
| Net interest margin | 3.41% (p25 of band) | 3.86% |
| Efficiency ratio | 87.12% (p77 of band) | |
| Noncurrent loans | 4.31% (p83 of band) | 1.38% |
| Net charge-offs (annualized) | 0.43% (p72 of band) | |
| Reserve coverage of noncurrent | 23.57% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 5.00% (p27 of band) | |
| Auto loans | $8.4M (5.45% of loans; DQ 2.87%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 42 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26568 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "26568", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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