Bank Safety Analysis
Adirondack Bank: final safety record
BankRegReports is independent of Adirondack Bank and never asks for online banking logins or passwords.
Return on assets dropped 4.62 percentage points in Q2 2026, from 0.19% to -4.43%. It was the largest change from Q1 2026 among the key lines here. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Adirondack Bank sits 1.73 points lower, at 11.76% (Q2 2026). From Q3 2023 to Q2 2026, Adirondack Bank's CET1 ratio ranged between 11.76% (Q2 2026) and 17.17% (Q1 2026) and its Texas ratio ranged between 5.48% (Q1 2026) and 12.72% (Q4 2024). Between Q2 2025 and Q2 2026, Adirondack Bank's CET1 ratio fell from 16.79% to 11.76%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.18% to 0.72%, Texas ratio fell from 10.12% to 6.89% and return on assets fell from 0.47% to -4.43%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 11.76% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 7.25% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.72% are within industry-normal range.
Texas Ratio of 6.9% is well below the 100% historical failure threshold.
Efficiency ratio of 207.6% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 11.76% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 6.89% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.72% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 65.45% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 204.60% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 11.76% |
| Q1 2026 | 17.17% |
| Q4 2025 | 16.96% |
| Q3 2025 | 16.57% |
| Q2 2025 | 16.79% |
| Q1 2025 | 16.52% |
| Q4 2024 | 16.52% |
| Q3 2024 | 16.48% |
| Q2 2024 | 16.55% |
| Q1 2024 | 16.53% |
| Q4 2023 | 16.29% |
| Q3 2023 | 16.07% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 6.89% |
| Q1 2026 | 5.48% |
| Q4 2025 | 5.73% |
| Q3 2025 | 8.44% |
| Q2 2025 | 10.12% |
| Q1 2025 | 12.00% |
| Q4 2024 | 12.72% |
| Q3 2024 | 10.75% |
| Q2 2024 | 11.70% |
| Q1 2024 | 9.60% |
| Q4 2023 | 9.08% |
| Q3 2023 | 10.04% |
Adirondack Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 11.76% | 0.72% | 6.89% | -4.43% |
| Mar 31, 2026 | 17.17% | 0.68% | 5.48% | 0.19% |
| Dec 31, 2025 | 16.96% | 0.71% | 5.73% | 0.52% |
| Sep 30, 2025 | 16.57% | 1.02% | 8.44% | 0.52% |
| Jun 30, 2025 | 16.79% | 1.18% | 10.12% | 0.47% |
| Mar 31, 2025 | 16.52% | 1.37% | 12.00% | 0.28% |
| Dec 31, 2024 | 16.52% | 1.36% | 12.72% | 0.56% |
| Sep 30, 2024 | 16.48% | 1.23% | 10.75% | 0.23% |
| Jun 30, 2024 | 16.55% | 1.23% | 11.70% | 0.27% |
| Mar 31, 2024 | 16.53% | 0.98% | 9.60% | 0.24% |
| Dec 31, 2023 | 16.29% | 0.96% | 9.08% | 0.38% |
| Sep 30, 2023 | 16.07% | 0.97% | 10.04% | 0.43% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 28380) · FFIEC NIC profile (RSSD 101671)
Explore: Full Adirondack Bank profile · Other banks in NY · Metric glossary · How the call report works