# ADAMS COMMUNITY BANK
ADAMS, MA · FDIC certificate 90140 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.01B | |
| Deposits | $822.6M | |
| Loans and leases | $828.3M | |
| Total equity | $108.2M | |
| Loans / deposits | 100.04% (p86 of band) | 87.10% |
| Liquid assets / assets | 12.74% (p13 of band) | |
| Uninsured deposits / deposits | 42.72% (p79 of band) | 30.76% |
| Brokered deposits | 3.23% | |
| Wholesale funding | 9.99% (p64 of band) | |
| FHLB advances / assets | 6.75% | |
| Tier 1 leverage | 10.34% (p46 of band) | 10.50% |
| Unrealized securities loss / equity | -8.58% (p46 of band) | -7.75% |
| AOCI / equity | -0.34% (p47 of band) | |
| ROA (annualized) | 0.49% (p8 of band) | 1.26% |
| Net interest margin | 2.70% (p7 of band) | 3.70% |
| Efficiency ratio | 76.71% (p90 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 159.72% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 13.88% (p12 of band) | |
| Auto loans | $4.5M (0.55% of loans; DQ 0.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | reserve under noncurrent | loans exceed deposits |
| 2012-03 | 3 | capital falling, expense ratio p90 |  |
| 2012-06 | 1 |  | capital falling, expense ratio p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2014-06 | 2 |  | liquid assets <10% |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | liquid assets <10%, uninsured deposits leaving |  |
| 2015-03 | 4 | expense ratio p90 | uninsured deposits leaving |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2016-03 | 1 |  | expense ratio p90, capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | expense ratio p90 | capital falling |
| 2018-06 | 3 | liquid assets <10% |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 1 |  | expense ratio p90, liquid assets <10%, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | liquid assets <10% |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | expense ratio p90, reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2020-09 | 2 | capital falling | expense ratio p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | leverage <7% |  |
| 2022-03 | 0 |  | capital falling, charge-offs p90, leverage <7% |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 | loans exceed deposits | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | expense ratio p90, NIM <2.5% |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | wholesale funding >15% |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | expense ratio p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | NIM <2.5% |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | expense ratio p90 |  |

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

- 2026-08-13 [Two Mass. banks to merge, form lender with $1.5B in assets - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOaGZrWHZRcHU5d1ZLbElNVUFLQkUyOF8zeHoxbnU4b1BUNkFaQ05jb1NKbzB0VElndTBFeHRTN2JWbXEzMW1BcTRnZEU3MjdHSU5raE0zZmJ3eVB3UjBnVVRrS2UxMGRxYXkzMkhRTTEyRmFrYlZoWmJHZEpHSE1NV0VTVUttQTljaDBEN0tzcFF4QmdQdFNMWWhRb25PTmwwcmV3?oc=5) · The Business Journals
- 2026-07-22 [Adams Community, Co-Op Becoming 'Trailmark Bank' - iBerkshires.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPN0MzS3lqc2J2TkVseExRcjN1RERnWGlyTnVEZnJjdWp4Z1AyaEZLemIyMG0yS0lUd1lJSmJQNkdEUEdCQ21NRW1ISFlHNUNEUW53bmtkR1Y2WVJNMjlVNEN6VWZXVlBpcmE0V1JxRGFyMXU0MU1hZkJjRVd5RlEtdUpsbHB2aG1NNGtKYy1zWVZ5cWg3RlE?oc=5) · iBerkshires.com
- 2026-04-06 [Adams Community, Pittsfield Cooperative banks plan 'merger of equals' - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNdmZhZUlTU3cxb1d0TWZLN0JBZWlCRXVySzhIZmgzZHpZenhSN205NmdSeXdsUFh5RnY3SkJRdlRIdmtRVUhZN3RhVDhYam1SREdPbDgxU1B3R0dwbzlSZ3VPU1lUOUNkSE9IOGpmRVhfNW4td2dLNWRjZVNYallZell3MzRNSWdBWk0zU2lNWXlDeW1HZnV0WlVNcjZwcVBFc1FTbDItYUhCeDRpQzB3VVpuZzJFbnkxeF9DWjQ1V0hIYm5KWTYxNjZOOUxfUTFxN3dDUkNRV1BRMGJRSjFMZnZBekVncGpsWHA2TGtn?oc=5) · The Berkshire Eagle
- 2026-04-06 [Adams Community Bank and Pittsfield Cooperative Bank announce merger - The Berkshire Edge](https://news.google.com/rss/articles/CBMinwFBVV95cUxPcllPbExuU05uTVg5TlM2SHE2RjdHUjVMcVVYTWR1LUlLck1DcS1GWFhtWUxka2dkeUtxVlV6em5ZNDJFc2hFcVB5UXB5UW9mYktfZ3M3ZXhFVHpWN2FWYktSdDhpT181TVZQb0ljZFNFRDJwSVRZMTYwcnRFSlBrZzdheDNycHFyTVhWU0NYUXlETjQ0dlVUcHZMOWZaakU?oc=5) · The Berkshire Edge
- 2026-04-06 [Adams Community, Pittsfield Co-op Banks Announce Merger - iBerkshires.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQX0NzQjJ6WlVPZnZURFdqREFqNlhuaVhST1d1eFpmMlgyQ3JIUU95LU05MU9xeW5Dd3ZsOUtzYnNzX3Z6RGV4R3Z0QnF5MmFpY253c0taUHp4dk0weEFiNWEzZGw3b0xsbUtTR2RkV0NmOWtVdlljU1VsS01LUWJ5YmdNVkp5eUM0WkNNdHJ4cTVnelpGODVqcGNJWnhsUDVl?oc=5) · iBerkshires.com
- 2026-07-22 [After merger, Adams Community and Pittsfield Coop will be known as Trailmark Bank - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOTjBpQkRxemwyYUVkRXZUczNBYWR3RU1JS2l3RkpfbTdpemZPSUpoUFZqWjlHZWNFQVdnbGh1SmlnN1F4SFVhcHhGVEVFZ1ZQS3M5cG5WbnFvQVc3QTNQN3V4cUp6OHZZYktsRUFmaWFVdWJnc0ZhOFpFRVVuNUQwNmpCMDlpQlVnWjdDMmRMd09vTWg3YV9DNDVZc2VBLUhnUC0yekxYbUsxd1lmc1RCY3c4bVBiSG8xOEJkeGw3MjBoX282V0RQNXR0cFlTMTJwanh3R0lzbUR1WDg?oc=5) · The Berkshire Eagle
- 2026-02-17 [Adams Community Bank Announces Promotions - iBerkshires.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWWhXdUxKaTNVTDRBZmlrWk9CU0ZBZy1pbTRUNUtNRWZTdkowQVlLWmVCbTZjYVp4ZTlhcXJGbTNwalJBQTBwbXJjQXBscjFFNEVwNUo2NGF1WGR1Si1XMEFLdE5weFlXaVVVSmRBWDR0ZzNKbkRxYXI1WUpVdVY3SVEwTDIzU1o2aWVLSVNlZw?oc=5) · iBerkshires.com
- 2025-11-15 [Adams Community Bank adds two VPs to leadership team - The Berkshire Eagle](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPblRTeTF1Q2EwaV9mRWFvQ1VKdnEySEpXbnV4MFZOOGhNXy1GLWxPUmthcDg0ODhlUS1ZaTVoNGs3NlpKUFdyMlRWS19rbVJnODVhRHUxWEp4d3l5WDkyR3ZJMTIwTXBXS3hOdDNfMGVzMXpoODY4QWd4bHVQR2FEQi1UYkR6ZkNEX3JUSTRoYTBSaGw3aDk1MzZvRHREV0VNM3BJa0RabFVYeHprQzR5ZFFtUkNTUTEwOGktZzhjcktGdkNpS0pBYw?oc=5) · The Berkshire Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90140 (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/28.json (key "90140", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide