The Adirondack Trust Company
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Data as of · sourced from FFIEC call reports. How we update
The Adirondack Trust Company is an FDIC-insured commercial bank headquartered in Saratoga Springs, NY, established in 1901 (FDIC certificate 660), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.70B, up 6.6% from Q2 2025, the 39th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 16.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 660
- Headquarters
- Saratoga Springs, NY
- Established
- 1901
- Total assets, Q2 2026
- $1.70B
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 16.98%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 021302884
- Latest call report
- Q2 2026, FFIEC 041 · The Adirondack Trust Company call report
- Holding company
- 473 BROADWAY HOLDING CORPORATION
- Asset rank in state
- 39th of 105 in New York
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Adirondack Trust Company is the 39th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets fell 3.5% to $1.70B, loans rose 1.5% and deposits fell 4.0%. Non-owner-occupied commercial real estate loans made up 30.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 29.9%. Its 13 offices in the FDIC Summary of Deposits are in 6 cities in NY; its Saratoga Springs 7 offices book 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Adirondack Trust Company meets every capital ratio test for well capitalized.
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
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Adirondack Trust Company's total assets ranged from $1.57B (Q2 2024) to $1.79B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.70B total assets against $1.60B; $1.51B total liabilities against $1.42B.
$1.00B net loans and leases against $983.1M; $1.47B total deposits against $1.38B.
$307.7M securities against $373.4M; $256.7M cash and balances due against $110.4M.
$17.8M total interest income against $15.2M; $4.8M total interest expense against $4.6M.
$13.0M net interest income against $10.7M.
$7.7M total noninterest income against $7.3M; $14.3M total noninterest expense against $13.2M.
$0 provision for credit losses against $0.
$4.9M net income against $3.6M.
1.12% return on assets against 0.90%; 3.20% net interest margin against 2.83%.
16.98% CET1 capital ratio against 15.59%; 10.49% tier 1 leverage ratio against 10.45%.
Inside the full The Adirondack Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 658 of 4,196, for total assets; its furthest is 2,613 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q1 2025) to 1.12% (Q2 2026) and its net interest margin ran from 2.52% (Q3 2024) to 3.20% (Q2 2026).
| 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
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Adirondack Trust Company headquartered?
It is headquartered in Saratoga Springs, NY, United States.
When was The Adirondack Trust Company founded?
It was established in 1901, per the FDIC institution directory.
Is The Adirondack Trust Company FDIC-insured?
Yes. It 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.
What is The Adirondack Trust Company's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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