The Adirondack Trust Company
Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability.
Asset Mix:
Comm re (25%), cash (20%), securities (18%), home mtgs (14%), comm loans (3%), home eq lns (3%), consumer loans (0%), other (17%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
473 Broadway
Saratoga Springs, NY 12866
Saratoga Springs, NY 12866
Phone Number
(518) 584-5844
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.