B
The Adirondack Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
17.66
Leverage
Ratio
10.08
Return On
Assets
0.91%
Total
Assets
1.79B
Capital
190.17M
Total
Deposits
1.56B
Net
Income
15.26M
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Weiss Ratings The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Rating B
Asset Quality Index 8.00
Capitalization Index 8.60
Liquidity Index 3.70
Profitability Index 4.50
Stability Index 8.30
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 4.14%
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 0.42%
Non-Performing Loans to Capital 3.08%
Non-Performing Loans to Loans 0.74%
Balance Sheet The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Total Assets 1.79B
Total Deposits 1.56B
Capital and Reserves The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Capital 190.17M
Leverage Ratio 10.08
Loan Loss Reserves to Loans 1.97%
Risk-Based Capital Ratio 17.66
Liquidity The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Hot Money Ratio 14.07%
Liquidity Ratio 23.51%
Profitability The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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5-Year Return on Average Assets 0.82%
Net Income 15.26M
Net Interest Spread 2.82%
Operating Profit to Average Assets 1.18%
Overhead Efficiency Ratio 73.85%
Return on Assets 0.91%
Return on Equity 8.59%