Adirondack Bank: Regulatory Capital
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Data as of · Call Report Schedule RC-R How we update
Adirondack Bank reported all 19 line items on this page on its Q2 2026 filing. Common equity Tier 1 ratio was 11.76% in Q2 2026, down 5.03 percentage points from 16.79% in Q2 2025. Across the 12 quarters shown it ranged from 11.76% (Q2 2026) to 17.17% (Q1 2026).
What the regulatory capital page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total risk-based capital ratio: 5.62 percentage points lower than in Q1 2026, at 12.54%. Adirondack Bank reported 11.76% on CET1 ratio for Q2 2026, 1.73 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.76% |
| Tier 1 risk-based capital ratio | 11.76% |
| Total risk-based capital ratio | 12.54% |
| Tier 1 leverage ratio | 7.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $71.3M |
| Tier 1 capital | $71.3M |
| Total risk-based capital | $76.0M |
| Total equity capital | $60.9M |
| Risk-weighted assets | $606.0M |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.05% |
| Tangible equity to tangible assets | 5.86% |
| Equity capital to average assets | 6.18% |
| Internal capital growth rate | -67.24% |
Source: Call Report Schedule RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $20.6M |
| Retained earnings | $49.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.4M |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.07% | 16.07% | 16.97% | 8.26% | $496.8M |
| Q4 2023 | 16.29% | 16.29% | 17.19% | 8.38% | $494.3M |
| Q1 2024 | 16.53% | 16.53% | 17.43% | 8.29% | $489.7M |
| Q2 2024 | 16.55% | 16.55% | 17.45% | 8.39% | $489.0M |
| Q3 2024 | 16.48% | 16.48% | 17.40% | 8.57% | $493.3M |
| Q4 2024 | 16.52% | 16.52% | 17.45% | 8.50% | $491.6M |
| Q1 2025 | 16.52% | 16.52% | 17.49% | 8.47% | $494.7M |
| Q2 2025 | 16.79% | 16.79% | 17.76% | 8.59% | $492.5M |
| Q3 2025 | 16.57% | 16.57% | 17.53% | 8.55% | $495.3M |
| Q4 2025 | 16.96% | 16.96% | 17.94% | 8.54% | $491.3M |
| Q1 2026 | 17.17% | 17.17% | 18.15% | 8.52% | $487.0M |
| Q2 2026 | 11.76% | 11.76% | 12.54% | 7.25% | $606.0M |
Adirondack Bank regulatory capital, quarter by quarter
Regulatory Capital since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q2 2026. How these pages are built. See the full Adirondack Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28380) · FFIEC NIC profile (RSSD 101671)