| Weiss Ratings |
Adirondack Bank
Utica, NY |
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| Rating | ||||
| Asset Quality Index | 5.50 | |||
| Capitalization Index | 6.50 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 3.00 | |||
| Stability Index | 4.90 | |||
| 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 | 1.03% | |||
| 5-Year Asset Growth | -0.29% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.47% | |||
| Non-Performing Loans to Capital | 5.03% | |||
| Non-Performing Loans to Loans | 0.71% | |||
| Balance Sheet |
Adirondack Bank
Utica, NY |
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| Total Assets | 941.60M | |||
| Total Deposits | 848.09M | |||
| Capital and Reserves |
Adirondack Bank
Utica, NY |
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| Capital | 74.53M | |||
| Leverage Ratio | 8.54 | |||
| Loan Loss Reserves to Loans | 0.75% | |||
| Risk-Based Capital Ratio | 17.94 | |||
| Liquidity |
Adirondack Bank
Utica, NY |
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| Hot Money Ratio | 17.34% | |||
| Liquidity Ratio | 5.48% | |||
| Profitability |
Adirondack Bank
Utica, NY |
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| 5-Year Return on Average Assets | 0.37% | |||
| Net Income | 4.35M | |||
| Net Interest Spread | 3.77% | |||
| Operating Profit to Average Assets | 0.52% | |||
| Overhead Efficiency Ratio | 86.76% | |||
| Return on Assets | 0.45% | |||
| Return on Equity | 6.21% | |||