🏦Bank Scorer

ADAMS COMMUNITY BANK

ADAMS, MA · Supervised by FDIC

Est. 1869FDIC #90,140RSSD: FDIC-90140
Part ofCOMMUNITY BCORP BERKSHIRES MHC→ View all charters
Outstanding Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.48%

Institution Profile

FDIC BankFind

Address

2 Center St, ADAMS, MA

County

Berkshire County

Established

May 1, 1869

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$827M

Net Loans

$833M

Net Income

$1M

ROA

0.48%

ROE

4.60%

Risk-Based Capital

16.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate9.59%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$808M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202458469.01%9.59%
202373470.57%11.99%
202274073.38%10.54%
202199867.84%13.23%
20201,11963.54%15.19%
201978467.09%16.33%
201878471.43%13.01%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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