The optimization of multi-community integrated energy systems (MCIES), as a proficient means of integrating distributed energy resources and diverse loads, poses a compelling challenge. This challenge revolves around strategically harnessing the energy-carbon synergy advantages within these systems, while factoring in the heterogeneity among different communities and the constraints imposed by electrical connectivity devices. Facing the challenge, this paper proposes an individualized adaptive distributed approach for energy-carbon coordination in MCIES with power transformers (PT-MCIES). Firstly, a feasible region is constructed based on current and temperature limits to assess the loading capacity of power transformers. Based on this, a transactive energy (TE) based co-optimization model for PT-MCIES considering energy sharing and carbon trading is developed, where rolling horizon optimization is adopted to cope with the randomness from renewable energy and loads. For the TE problem, the alternating direction method of multipliers (ADMM) algorithm is employed to achieve distributed optimization. Uncertain renewable energy and loads, along with variable rolling horizons, make it difficult for the traditional ADMM to ensure convergence speed in the co-optimization of PT-MCIES. Accordingly, an individualized adaptive ADMM (IAADMM) embedded a spectral penalty parameter selection rule is adopted. Simulation results show that the proposed scheduling model can effectively guarantee the safe operation of power transformers with the suggestion of a feasible region, and achieve higher economic and environmental benefits than the reference one that ignores energy-carbon coordination. Furthermore, the proposed IAADMM exhibits superior performance in terms of convergence speed and robustness to the initial penalty parameter when compared to ADMM and its various variants.