ADIRONDACK BANK

UTICA, NY | Medium | Est. Jan. 1, 1898, midnight | FDIC #28380 | RSSD #101671 | FED
Latest Report: 2025-12-31

ADIRONDACK BANK is amn medium FDIC-insured commercial bank headquartered in UTICA, NY, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $942M and total deposits of $848M. Profitability stands at 0.53% ROA and 6.97% ROE, with a net interest margin of 4.11%. The bank's CET1 capital ratio is 16.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 5.58%. FDIC Certificate #28380.

Assets

$942M

Deposits

$848M

Loans

$624M

Equity

$75M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 6.97%
Net Interest Margin (NIM) 4.11%
Yield on Assets 4.90%
Cost of Funds 0.80%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio 0.01%
Texas Ratio 5.58%
NPA Ratio 0.47%
ACL / Loans 0.75%

Capital & Liquidity

CET1 Ratio 16.96%
Tier 1 Capital 16.96%
Total Capital Ratio 17.94%
Leverage Ratio 8.54%
Loan-to-Deposit 73.58%

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