B
The Adirondack Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
18.25
Leverage
Ratio
10.49
Return On
Assets
0.95%
Total
Assets
1.70B
Capital
196.41M
Total
Deposits
1.47B
Net
Income
8.28M
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Weiss Ratings The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Rating B
Asset Quality Index 7.80
Capitalization Index 9.20
Liquidity Index 3.40
Profitability Index 4.40
Stability Index 9.00
Company Info The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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FDIC Number 660
Phone Number (518) 584-5844
Website www.adirondacktrust.com
Asset Quality The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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1-Year Asset Growth 6.58%
5-Year Asset Growth 3.87%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 3.20%
Non-Performing Loans to Loans 0.73%
Balance Sheet The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Total Assets 1.70B
Total Deposits 1.47B
Capital and Reserves The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Capital 196.41M
Leverage Ratio 10.49
Loan Loss Reserves to Loans 1.95%
Risk-Based Capital Ratio 18.25
Liquidity The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Hot Money Ratio 14.97%
Liquidity Ratio 20.52%
Profitability The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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5-Year Return on Average Assets 0.89%
Net Income 8.28M
Net Interest Spread 3.04%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 73.61%
Return on Assets 0.95%
Return on Equity 8.55%