BlastPoint's Banking Scorecard
Adams Community Bank
Community
Specialty: Mortgage
MA
FDIC cert 90140
Adams, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Adams Community Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 8% in Community
- - Credit Quality Pressure: Bottom 15% in Community
- - Liquidity Strain: Bottom 19% in Community
- - Liquidity Overhang: Bottom 24% in Community
- - Net Interest Margin 1.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-0.3% YoY
-0.3% QoQ
|
-$360.0M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$840.8M
-2.3% YoY
-2.4% QoQ
|
-$134.7M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$830.4M
+1.4% YoY
+0.6% QoQ
|
-$334.2M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.50%
+96.0% YoY
-3.1% QoQ
|
-0.67% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.53%
+14.6% YoY
+0.2% QoQ
|
-1.13% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
75.48%
-13.4% YoY
+1.5% QoQ
|
+12.85% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.29%
+2.2% YoY
+25.6% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
101.25%
-3.6% YoY
-3.0% QoQ
|
+18.19% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.67%
+32.9% YoY
-1.7% QoQ
|
-7.37% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.24%
+0.2% YoY
+23.0% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
16.04%
+7.7% YoY
+2.3% QoQ
|
+5.80% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.34%
-6.5% YoY
+35.1% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Flatlined Growth
risk
#20 of 245 · Bottom 8% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.50%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#121 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.29%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#96 of 513 · Bottom 19% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
101.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#64 of 268 · Bottom 24% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.04%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
101.25%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Net Interest Margin
metric
Bottom 7%
in Community
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.53%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Tier 1 Capital Ratio
Current: 16.04% · Tier avg: 10.24%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
60
60th pctile
Total Loans
Current: $840.8M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $830.4M · Tier avg: $1.2B
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.67% · Tier avg: 21.05%
17
17th pctile
Efficiency Ratio
Current: 75.48% · Tier avg: 62.63%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.25% · Tier avg: 83.06%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.25% · Tier avg: 83.06%
17
17th pctile
Efficiency Ratio
Current: 75.48% · Tier avg: 62.63%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.67% · Tier avg: 21.05%
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
49
49th pctile
Total Deposits
Current: $830.4M · Tier avg: $1.2B
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $840.8M · Tier avg: $975.5M
61
61th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.04% · Tier avg: 10.24%