The Adirondack Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Adirondack Trust Company, based in Saratoga Springs, New York, reported $1.7 billion in assets at June 30, 2026, up 6.6% from a year earlier. It pays an average of 1.27% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds common equity equal to 16.98% of its risk-weighted assets, higher than about three-quarters of banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $4.9 million, 34% above the same quarter a year earlier. Over the same year, loans grew 2.0% and deposits grew 6.9%. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, The Adirondack Trust Company reported a CET1 capital ratio of 16.98%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 473 Broadway, Saratoga Springs, NY 12866
- County
- Saratoga
- Metro Area
- Albany-Schenectady-Troy, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1901
- Offices
- 13 domestic
- Employees (FTE)
- 266
- Domestic deposits
- $1.47B
- Allowance for credit losses
- $20.0M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $1.74B
- Average total loans
- $1.01B
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 660
- Fed RSSD
- 645317
- Website
- adirondacktrust.com →
- Parent Holding Company
- 473 BROADWAY HOLDING CORPORATION (RSSD 1035157)
- Ultimate Parent
- RSSD 3138267
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Adirondack Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Adirondack Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.98% | 1.12% | 0.44% | 2.36% | 3.20% |
| Q1 2026 | 16.66% | 0.78% | 0.44% | 2.33% | 2.87% |
| Q4 2025 | 16.39% | 1.06% | 0.40% | 2.21% | 2.92% |
| Q3 2025 | 15.95% | 1.07% | 0.58% | 3.29% | 2.87% |
| Q2 2025 | 15.59% | 0.90% | 0.44% | 2.59% | 2.83% |
| Q1 2025 | 15.55% | 0.60% | 0.46% | 2.69% | 2.66% |
| Q4 2024 | 15.21% | 0.67% | 0.42% | 2.59% | 2.59% |
| Q3 2024 | 15.24% | 0.86% | 0.53% | 3.27% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Adirondack Trust Company | Saratoga Springs , NY | 12866 | $781.4M |
| Malta Branch | Malta , NY | 12020 | $118.8M |
| West Church Branch | Saratoga Springs , NY | 12866 | $118.6M |
| 112 Broadway Branch | Saratoga Springs , NY | 12866 | $89.9M |
| Exit 15 Branch | Saratoga Springs , NY | 12866 | $84.9M |
| Wilton Branch | Saratoga Springs , NY | 12866 | $69.8M |
| Queensbury Office Branch | Queensbury , NY | 12804 | $62.9M |
| Northline Road Branch | Saratoga Springs , NY | 12020 | $48.5M |
| Ballston Spa Branch | Ballston Spa , NY | 12020 | $34.9M |
| Exit 11 Branch | Ballston Lake , NY | 12019 | $27.0M |
| E18 Branch | Queensbury , NY | 12804 | $24.0M |
| Lake George Branch | Lake George , NY | 12845 | $8.4M |
| Prestwick Chase Branch | Saratoga Springs , NY | 12866 | $3.9M |
Regulatory record
What the public regulatory sources show for The Adirondack Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- March 31, 1992, OCC (former OTS): Supervisory Agreement: Adirondack Bank, FSB
- Period: Most recent institution action March 31, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 64 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 229 applications, 138 loans originated, $109.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $404K approved, $67K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Adirondack Trust Company
What are The Adirondack Trust Company's total assets?
As of the Q2 2026 filing, The Adirondack Trust Company reported total assets of $1.70 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Adirondack Trust Company headquartered?
The Adirondack Trust Company is headquartered in Saratoga Springs, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Adirondack Trust Company founded?
The Adirondack Trust Company was established in 1901, per the FDIC institution directory.
Is The Adirondack Trust Company FDIC-insured?
Yes. The Adirondack Trust Company is an FDIC-insured commercial bank (FDIC Certificate #660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Adirondack Trust Company?
The Adirondack Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Adirondack Trust Company's CET1 capital ratio?
The Adirondack Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 16.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Adirondack Trust Company operate?
The Adirondack Trust Company operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Adirondack Trust Company's Texas Ratio?
The Adirondack Trust Company's Texas Ratio is 2.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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