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Adams Community Bank, Adams, MA

Operating in an economically challenged community, Adams Community Bank in Massachusetts' Berkshire County strives to stay true to the community banking spirit.

"We have a great culture that focuses on old-time banking,"says Charles O'Brien, the bank's CEO and president. "We really do make time for people, listen to their needs, and try to match them up with the best products and services."

In this new member interview, Stephen McHugh, vice president/relationship manager at the Federal Home Loan Bank of Boston, and Andre Charbonneau, senior vice president/chief financial officer and treasurer at member Adams Community Bank, discuss how Adams uses Bank products to support community banking in a challenging economic environment.

"Adams is making loans, and that shows up in a very strong net interest margin," notes Mr. McHugh. "They use all the different pieces of the Federal Home Loan Bank, and use them quite well — Equity Builder Program, Community Development advance, and other Bank funding."