B
The Adirondack Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
17.21
Leverage
Ratio
10.22
Return On
Assets
0.86%
Total
Assets
1.73B
Capital
183.59M
Total
Deposits
1.50B
Net
Income
10.62M
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Weiss Ratings The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Rating B
Asset Quality Index 7.90
Capitalization Index 8.80
Liquidity Index 3.50
Profitability Index 4.20
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 6.18%
5-Year Asset Growth 7.71%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 3.19%
Non-Performing Loans to Loans 0.41%
Balance Sheet The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Total Assets 1.73B
Total Deposits 1.50B
Capital and Reserves The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Capital 183.59M
Leverage Ratio 10.22
Loan Loss Reserves to Loans 1.98%
Risk-Based Capital Ratio 17.21
Liquidity The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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Hot Money Ratio 14.30%
Liquidity Ratio 19.05%
Profitability The Adirondack Trust Company
Saratoga Springs, NY 		Click to
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5-Year Return on Average Assets 0.82%
Net Income 10.62M
Net Interest Spread 2.79%
Operating Profit to Average Assets 1.11%
Overhead Efficiency Ratio 75.36%
Return on Assets 0.86%
Return on Equity 8.12%