Adirondack Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q2 2026 filing, Adirondack Bank reported 8 of the 9 line items on this page. It did not report derivatives notional to total assets. Unused loan commitments was $30.6M in Q2 2026, down 0.5% from $30.7M in Q2 2025. That is 3.0% of its total assets. Across the 12 quarters shown it ranged from $30.2M (Q1 2026) to $32.3M (Q3 2023).
What the off-balance-sheet exposure page covers and where each line comes from.
Letters of credit rose 5.4% from Q1 2026 to Q2 2026, ending at $6.9M against $6.5M. It was the largest change among the key lines on this page.
Commitments
| Line item | Q2 2026 |
|---|---|
| Unused loan commitments | $30.6M |
| Letters of credit | $6.9M |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Derivatives
| Line item | Q2 2026 |
|---|---|
| Total derivatives, notional | $0 |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | — |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Trading positions
| Line item | Q2 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused commitments | Letters of credit |
|---|---|---|
| Q3 2023 | $32.3M | $7.6M |
| Q4 2023 | $30.6M | $6.0M |
| Q1 2024 | $30.7M | $4.4M |
| Q2 2024 | $31.8M | $4.1M |
| Q3 2024 | $32.3M | $4.1M |
| Q4 2024 | $31.6M | $3.4M |
| Q1 2025 | $31.2M | $5.4M |
| Q2 2025 | $30.7M | $5.4M |
| Q3 2025 | $31.2M | $5.4M |
| Q4 2025 | $31.1M | $2.3M |
| Q1 2026 | $30.2M | $6.5M |
| Q2 2026 | $30.6M | $6.9M |
Adirondack Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and 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)