Adirondack Bank: Regulatory Capital and Risk-Weighted Assets
BankRegReports is independent of Adirondack Bank and never asks for online banking logins or passwords.
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.54% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.54% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.76% +5.26 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $71.3M | 71,271 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $606.0M | 606,026 | RCOAA223 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.26 pp | $31.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.76% +3.76 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $71.3M | 71,271 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $606.0M | 606,026 | RCOAA223 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.76 pp | $22.8M | capital that could be lost first |
Total risk-based capital ratio 12.54% +2.54 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $76.0M | 75,985 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $606.0M | 606,026 | RCOAA223 |
| Recomputed ratio | 12.54% | numerator / denominator | |
| Filed ratio | 12.54% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.54 pp | $15.4M | capital that could be lost first |
Tier 1 leverage ratio 7.25% +2.25 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $71.3M | 71,271 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $982.8M | 982,789 | RCOAA224 |
| Recomputed ratio | 7.25% | numerator / denominator | |
| Filed ratio | 7.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.25 pp | $22.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 24,343 | 24,343 | 24,343 | 24,337 | 24,336 | 24,336 | RCOAP742 |
| Retained earnings | 48,951 | 61,301 | 60,983 | 59,779 | 60,390 | 59,414 | RCOAKW00 |
| Accumulated other comprehensive income | (12,430) | (12,180) | (10,801) | (11,688) | (14,899) | (15,187) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 60,864 | 73,464 | 74,525 | 72,428 | 69,827 | 68,563 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,407 | 10,157 | 8,778 | 9,665 | 12,876 | 13,164 | P859 - P840 |
| Common equity Tier 1 capital | 71,271 | 83,621 | 83,303 | 82,093 | 82,703 | 81,727 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 71,271 | 83,621 | 83,303 | 82,093 | 82,703 | 81,727 | RCOA8274 |
| Tier 2 capital | 4,714 | 4,800 | 4,807 | 4,738 | 4,745 | 4,799 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,714 | 4,800 | 4,807 | 4,738 | 4,745 | 4,799 | RCOA5310 |
| Total capital | 75,985 | 88,421 | 88,110 | 86,831 | 87,448 | 86,526 | RCOA3792 |
| Total risk-weighted assets | 606,026 | 487,045 | 491,266 | 495,291 | 492,504 | 494,651 | RCOAA223 |
| Average total assets for the leverage ratio | 982,789 | 981,551 | 975,320 | 960,142 | 962,868 | 964,339 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $72.1M | $4.7M | 6.50% | 0.77% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $294.5M | $53.1M | 18.04% | 8.76% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $290.2M | $169.0M | 58.24% | 27.89% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.3M | $2.0M | 150.00% | 0.32% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $316.2M | $316.2M | 100.00% | 52.18% | RC-R Part II, item 4.d, 5.d |
| All other assets | $47.8M | $48.3M | 100.94% | 7.96% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.9M | $6.9M | 100.00% | 1.13% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.9M | NA | 0.97% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $600.1M | does not tie to item 31 ($606.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $606.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $606.0M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.76% | 11.76% | 12.54% | 7.25% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 17.17% | 17.17% | 18.15% | 8.52% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.96% | 16.96% | 17.94% | 8.54% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 16.57% | 16.57% | 17.53% | 8.55% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.79% | 16.79% | 17.76% | 8.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 16.52% | 16.52% | 17.49% | 8.47% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.52% | 16.52% | 17.45% | 8.50% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 16.48% | 16.48% | 17.40% | 8.57% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 16.55% | 16.55% | 17.45% | 8.39% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.53% | 16.53% | 17.43% | 8.29% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.29% | 16.29% | 17.19% | 8.38% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.07% | 16.07% | 16.97% | 8.26% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Adirondack Bank (this bank) | Risk-based | 11.76% | 11.76% | 12.54% | 7.25% | |
| Jonestown Bank and Trust Company of Jonestown, Pennsylvania | $1.01B | CBLR | NA | NA | NA | 10.24% |
| Adams Community Bank | $1.01B | Risk-based | 16.33% | 16.33% | 17.16% | 10.34% |
| Maplemark Bank | $1.01B | Risk-based | 14.14% | 14.14% | 15.39% | 11.63% |
| Cornerstone National Bank & Trust Company | $1.01B | Risk-based | 11.97% | 11.97% | 13.10% | 10.36% |
| Kirkpatrick Bank | $1.00B | Risk-based | 15.28% | 15.28% | 16.54% | 10.67% |
| The Torrington Savings Bank | $1.00B | CBLR | NA | NA | NA | 19.03% |
| Pioneer Bank & Trust | $1.01B | Risk-based | 18.59% | 18.59% | 19.60% | 11.61% |
| Story Bank dba Story Financial Partners | $1.01B | Risk-based | 12.23% | 12.23% | 13.24% | 10.81% |
| The Port Washington State Bank | $1.01B | Risk-based | 11.93% | 11.93% | 12.84% | 8.97% |
| Golden State Bank | $1.00B | CBLR | NA | NA | NA | 11.04% |
| Peer 25th percentile | 12.10% | 12.10% | 13.17% | 10.35% | ||
| Peer median | 14.14% | 14.14% | 15.39% | 10.74% | ||
| Peer 75th percentile | 15.81% | 15.81% | 16.85% | 11.47% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/101671/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.