Bank · FDIC insured
Adams Community Bank
A $1B bank headquartered in Adams, MA, with 10 branches in Massachusetts. Best rates: CDs 3.00% and savings 3.40% APY.
Adams Community Bank Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#2 of 6 in Pittsfield, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Adams Community Bank
Adams Community Bank is an independent, mutually owned community savings bank focused on building trusted financial relationships since 1869.
Its mission focuses on serving as the premier bank of the Berkshires while remaining community-focused.
- Headquarters
- 2 Center St, Adams, MA 01220
- FDIC certificate
- 90140 ↗
Branches
10 branches in Massachusetts
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Massachusetts
10 branches
- Adams Community BankMain office2 Center St, Adams, MA 01220Directions
- Park Street Branch93 Park St, Adams, MA 01220Directions
- Cheshire Branch75 South St, Cheshire, MA 01225Directions
- Great Barrington Branch342 Stockbridge Road, Great Barrington, MA 01230Directions
- Lanesboro Branch545 S Main St, Lanesboro, MA 01237Directions
- Lee Branch41 Park St, Lee, MA 01238Directions
- Lenox National Bank Branch7 Main St, Lenox, MA 01240Directions
- North Adams Branch31 Eagle St, North Adams, MA 01247Directions
- Pittsfield Branch Office660 Merrill Rd, Pittsfield, MA 01201Directions
- Williamstown Branch273 Main St, Williamstown, MA 01267Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.34% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.40% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.49% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalLeverage ratio10.34%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.40%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.49%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Adams Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.