Adams Community Bank

Overview / Commentary

www.adamscommunity.com

413-743-0001

2 Center Street
Adams, MA 01220

Adams Community Bank is headquartered in Adams and is the 63^rd largest bank in the state of Massachusetts. It is also the 1,206^th largest bank in the nation. It was established in 1869 and as of December of 2019, it had grown to 98 employees at 8 locations. Adams Community Bank's money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	90140
Year Established	1869
Employees	98
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	7.45%
Annual Interest Income	$24.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$630.1MM$579.8MM
Loans	Q4 2019vs Q4 2018	$533.0MM$490.2MM
Deposits	Q4 2019vs Q4 2018	$508.4MM$462.9MM
Equity Capital	Q4 2019vs Q4 2018	$58.1MM$53.8MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$3.9MM$3.9MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$3.1MM$2.3MM
Real Estate Owned	Q4 2019vs Q4 2018	$153.00K$213.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$150k^*	-	Optimum Personal Account
OTHER TIERS: 0.10% → $10+ \| 0.40% → $75k+
0.10%	$10	-	Statement Savings Account
0.10%	$10	-	Christmas Club

Adams Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$1m^*	-	Money Market Checking
OTHER TIERS: 0.05% → $10 - $2.5k \| 0.15% → $2.5k - $50k \| 0.30% → $50k - $100k \| 0.45% → $100k - $1m
1.00%^*	$1m^*	-	Business Money Market
OTHER TIERS: 0.10% → $10 - $2.5k \| 0.15% → $2.5k - $50k \| 0.25% → $50k - $100k \| 0.45% → $100k - $500k \| 0.65% → $500k - $1m

Adams Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	-	$15k	Synergy Checking Account
OTHER TIERS: 0.50% → $15k+
0.05%	$10	-	Community Checking
0.05%	$10	-	Alliance Checking

Adams Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$2.5k	-	60 Month CD
1.25%	$2.5k	-	Business 60 Month CD
1.10%	$2.5k	-	48 Month CD
1.10%	$2.5k	-	Business 48 Month CD
1.00%	$2.5k	-	36 Month CD
1.00%	$2.5k	-	Business 36 Month CD
0.65%	$2.5k	-	24 Month CD
0.65%	$2.5k	-	Business 24 Month CD
0.55%	$2.5k	-	18 Month CD
0.55%	$2.5k	-	Business 18 Month CD
0.40%	$2.5k	-	12 Month CD
0.40%	$2.5k	-	Business 12 Month CD
0.30%	$2.5k	-	6 Month CD
0.30%	$2.5k	-	9 Month CD
0.30%	$2.5k	-	Business 6 Month CD
0.30%	$2.5k	-	Business 9 Month CD
0.15%	$2.5k	-	3 Month CD
0.15%	$2.5k	-	Business 3 Month CD

Adams Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$2.5k	-	60 Month IRA
1.10%	$2.5k	-	48 Month IRA
1.00%	$2.5k	-	36 Month IRA
0.65%	$2.5k	-	24 Month IRA
0.55%	$2.5k	-	18 Month IRA
0.40%	$2.5k	-	12 Month IRA
0.30%	$2.5k	-	6 Month IRA
0.30%	$2.5k	-	9 Month IRA
0.15%	$2.5k	-	3 Month IRA

Locations

Adams Community Bank Locations
Adams Community Bank	2 Center Street	Adams, MA 01220
Williamstown Branch	273 Main Street	Williamstown, MA 01267
North Adams Branch	31 Eagle Street	North Adams, MA 01247
Lee Branch	41 Park Street	Lee, MA 01238
Lanesboro Branch	545 South Main Street	Lanesboro, MA 01237
Cheshire Branch	75 South St	Cheshire, MA 01225
Park Street Branch	93 Park Street	Adams, MA 01220
Lenox National Bank Branch	7 Main Street	Lenox, MA 01240

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