| Weiss Ratings |
Adirondack Bank
Utica, NY |
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| Rating | ||||
| Asset Quality Index | 5.00 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 2.90 | |||
| Stability Index | 4.20 | |||
| Company Info |
Adirondack Bank
Utica, NY |
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| FDIC Number | 28380 | |||
| Phone Number | (315) 798-4039 | |||
| Website | www.adirondackbank.com | |||
| Asset Quality |
Adirondack Bank
Utica, NY |
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| 1-Year Asset Growth | 0.41% | |||
| 5-Year Asset Growth | 2.86% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.89% | |||
| Non-Performing Loans to Capital | 9.09% | |||
| Non-Performing Loans to Loans | 1.38% | |||
| Balance Sheet |
Adirondack Bank
Utica, NY |
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| Total Assets | 960.07M | |||
| Total Deposits | 874.42M | |||
| Capital and Reserves |
Adirondack Bank
Utica, NY |
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| Capital | 69.83M | |||
| Leverage Ratio | 8.59 | |||
| Loan Loss Reserves to Loans | 0.75% | |||
| Risk-Based Capital Ratio | 17.76 | |||
| Liquidity |
Adirondack Bank
Utica, NY |
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| Hot Money Ratio | 16.59% | |||
| Liquidity Ratio | 6.13% | |||
| Profitability |
Adirondack Bank
Utica, NY |
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| 5-Year Return on Average Assets | 0.37% | |||
| Net Income | 1.82M | |||
| Net Interest Spread | 3.67% | |||
| Operating Profit to Average Assets | 0.43% | |||
| Overhead Efficiency Ratio | 88.34% | |||
| Return on Assets | 0.38% | |||
| Return on Equity | 5.35% | |||