Adams Community Bank

Overview / Commentary
2 Center Street
Adams, MA 01220

Adams Community Bank is headquartered in ADAMS and is the 50th largest bank in the state of Massachusetts. It is also the 1,004th largest bank in the nation. It was established in 1869 and as of September of 2023, it had grown to 127 employees at 9 locations. Adams Community Bank's CD rates are 39% higher than the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #90140
Year Established1869
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD7.08%
Annual Interest Income$26.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$991.3MM$914.9MM
LoansQ3 2023vs Q3 2022$810.3MM$724.4MM
DepositsQ3 2023vs Q3 2022$810.1MM$821.3MM
Equity CapitalQ3 2023vs Q3 2022$86MM$81.7MM
Loan Loss AllowanceQ3 2023vs Q3 2022$4.9MM$5.4MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$3.2MM$1.6MM
Real Estate OwnedQ3 2023vs Q3 2022$250K$445K
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Always verify rates and promotions with the bank or credit union. We are not Adams Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Adams Community Bank Savings Account Rates

0.60%*$150k*-Optimum Personal Account
OTHER TIERS: 0.10% $10+ | 0.50% $75k+
0.10%$10-Statement Savings Account
0.10%$10-Christmas Club

Adams Community Bank Money Market Rates

0.60%*$1m*-Money Market Checking
OTHER TIERS: 0.20% $10 - $2.5k | 0.25% $2.5k - $50k | 0.35% $50k - $100k | 0.45% $100k - $1m
0.60%*$1m*-Business Money Market
OTHER TIERS: 0.20% $10 - $10k | 0.25% $10k - $50k | 0.35% $50k - $500k | 0.45% $500k - $1m

Adams Community Bank Checking Account Rates

2.25%*-$15kSynergy Checking Account
OTHER TIERS: 0.50% $15k+
0.05%$10-Community Checking
0.05%$10-Alliance Checking

Adams Community Bank CD Rates

4.30%$10-4 Month CD Special
4.00%$10-17 Month CD Special
2.25%$10-60 Month CD
2.25%$10-Business 60 Month CD
2.15%$10-48 Month CD
2.15%$10-Business 48 Month CD
2.00%$10-36 Month CD
2.00%$10-Business 36 Month CD
1.75%$10-24 Month CD
1.75%$10-Business 24 Month CD
1.40%$10-18 Month CD
1.40%$10-Business 18 Month CD
1.25%$10-12 Month CD
1.25%$10-Business 12 Month CD
0.90%$10-9 Month CD
0.90%$10-Business 9 Month CD
0.80%$10-6 Month CD
0.80%$10-Business 6 Month CD
0.75%$10-3 Month CD
0.75%$10-Business 3 Month CD

Adams Community Bank IRA Rates

4.00%$10-18 Month Flex IRA Special
2.25%$10-60 Month IRA
2.15%$10-48 Month IRA
2.00%$10-36 Month IRA
1.75%$10-24 Month IRA
1.25%$10-12 Month IRA
0.80%$10-6 Month IRA
0.75%$10-3 Month IRA

Adams Community Bank Locations
Adams Community Bank2 Center StAdams, MA 01220
Williamstown Branch273 Main StreetWilliamstown, MA 01267
North Adams Branch31 Eagle StreetNorth Adams, MA 01247
Lee Branch41 Park StreetLee, MA 01238
Lanesboro Branch545 South Main StreetLanesboro, MA 01237
Cheshire Branch75 South StCheshire, MA 01225
Park Street Branch93 Park StreetAdams, MA 01220
Lenox National Bank Branch7 Main StreetLenox, MA 01240

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