| Metric | Adams Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +5.5% | -9.0 pts |
| Deposit growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Loan growth (YoY) | -5.3% | +5.9% | -11.2 pts |
| ROA | 0.49% | 1.26% | -0.8 pts |
| ROE | 4.6% | 12.2% | -7.5 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.01B | $822.6M | $823.0M | $108.2M | $2.5M | 0.49% | 2.70% | 0.33% |
| Q1 2026 | $1.03B | $826.8M | $832.6M | $106.9M | $1.2M | 0.48% | 2.64% | 0.35% |
| Q4 2025 | $1.03B | $830.4M | $840.8M | $106.1M | $5.2M | 0.50% | 2.53% | 0.24% |
| Q3 2025 | $1.03B | $825.2M | $861.5M | $102.4M | $4.0M | 0.51% | 2.53% | 0.19% |
| Q2 2025 | $1.04B | $807.7M | $868.6M | $99.8M | $2.5M | 0.47% | 2.49% | 0.38% |
| Q1 2025 | $1.05B | $799.4M | $866.6M | $98.0M | $1.1M | 0.42% | 2.46% | 0.26% |
| Q4 2024 | $1.03B | $818.9M | $860.5M | $95.8M | $2.6M | 0.25% | 2.21% | 0.24% |
| Q3 2024 | $1.02B | $799.3M | $852.3M | $94.4M | $1.9M | 0.25% | 2.19% | 0.31% |
Loan mix (Q2 2026): real estate $808.7M · commercial $13.2M · consumer $5.8M · securities $107.5M
| Ratio | Adams Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 12.2% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 59.0% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Adams Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Adams Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Adams Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Adams Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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