Bank call report · Saratoga Springs, NY
The Adirondack Trust Company Call Report
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The Adirondack Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 423 reported line items, schedule by schedule (983 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 645317 |
| FDIC certificate number | 660 |
| Total assets | $1.70B |
Official Q2 2026 call report PDF (FFIEC) →
The Adirondack Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · The Adirondack Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.70B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.70B |
| Total Liabilities and Minority Interest | RCON2948 | $1.51B |
| Total Deposits | RCON2200 | $1.47B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.06B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.02B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.00B |
| Deposits: Noninterest-bearing | RCON6631 | $409.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $307.7M |
| Interest-bearing Balances | RCON0071 | $239.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $196.5M |
| Total Equity Capital | RCON3210 | $196.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $188.0M |
| Other Assets | RCON2160 | $74.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $37.8M |
| Other Liabilities, Total | RCON2930 | $26.7M |
| Intangible Assets | RCON2143 | $21.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $20.0M |
| Goodwill | RCON3163 | $17.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $17.7M |
| Surplus | RCON3839 | $7.5M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $5.5M |
| Common Stock | RCON3230 | $3.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.0M |
| Other Real Estate Owned | RCON2150 | $135K |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCON3000 | $57K |
Schedule RI: Income Statement (45 items)
About Schedule RI · The Adirondack Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $34.2M |
| Total Noninterest Expense | RIAD4093 | $30.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $26.4M |
| Net Interest Income | RIAD4074 | $24.6M |
| Salaries and Employee Benefits | RIAD4135 | $19.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $16.6M |
| Total Noninterest Income | RIAD4079 | $16.2M |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $11.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $10.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $10.8M |
| Total Interest Expense | RIAD4073 | $9.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $8.3M |
| Net Income (Loss) | RIAD4340 | $8.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $8.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.7M |
| Other Noninterest Expense | RIAD4092 | $7.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5.6M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $5.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.5M |
| Applicable Income Taxes | RIAD4302 | $2.5M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.9M |
| Other Noninterest Income | RIADB497 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.4M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $380K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $338K |
| Interest on Other Securities | RIAD4060 | $336K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $245K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $226K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $170K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $137K |
| Net Servicing Fees | RIADB492 | $102K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $89K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $66K |
| Other Interest Income | RIAD4518 | $54K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $51K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $49K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $37K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $33K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $21K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $18K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $8K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $8K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 266 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $256.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $238.1M |
| Currency and Coin | RCON0080 | $11.3M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $6.1M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $1.2M |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · The Adirondack Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $19.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $16.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $11.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $11.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $322.1M |
| Pledged Securities | RCON0416 | $255.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $253.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $243.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $143.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $96.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $73.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $24.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $23.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $22.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $21.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $17.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $15.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $15.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $14.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $5.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $4.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $71K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $67K |
Schedule RC-C, Part I: Loans and Leases (41 items)
About Schedule RC-C, Part I · The Adirondack Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.02B |
| Pledged Loans and Leases | RCONG378 | $459.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $309.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $304.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $248.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $199.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $165.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $156.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $145.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $133.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $127.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $79.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $69.3M |
| Commercial and Industrial Loans | RCON1766 | $61.7M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $61.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $57.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $52.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $50.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $50.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $29.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $19.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $8.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $3.8M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $3.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $3.1M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $2.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $2.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $1.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $1.6M |
| Other Loans | RCONJ464 | $1.6M |
| Unearned Income on Loans | RCON2123 | $1.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $1.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $989K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $966K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $944K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $296K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $126K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $89K |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) | RCONB837 | $25K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $76.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $19.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $9.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.2M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 431 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 200 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 130 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 99 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 85 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 35 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · The Adirondack Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $886.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $823.1M |
| Total Transaction Accounts | RCON2215 | $586.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $508.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $412.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $409.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $361.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $214.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $168.3M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $163.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $137.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $118.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $118.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $116.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $115.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $101.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $92.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $78.7M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $78.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $63.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $51.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $46.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $22.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $18.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $15.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.3M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $39.5M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $27.1M |
| Prepaid Expenses | RCON2166 | $25.2M |
| Accrued Interest Receivable | RCONB556 | $4.4M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.5M |
| Net Deferred Tax Assets | RCON2148 | $703K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $12.9M |
| All Other Liabilities | RCON2938 | $11.2M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $5.1M |
| Accounts Payable | RCON3066 | $2.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $736K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · The Adirondack Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.74B |
| Quarterly Average of Total Loans | RCON3360 | $1.01B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $642.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $574.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $302.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $285.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $264.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $217.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $189.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $118.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $63.1M |
| All Other Securities | RCONB560 | $38.2M |
| Mortgage-backed Securities | RCONB559 | $20.0M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $6.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $906K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · The Adirondack Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $74.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $56.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $17.5M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $17.0M |
| Amount of Performance Standby Letters of Credit Conveyed to Others | RCON3822 | $5.7M |
| Performance Standby Letters of Credit | RCON3821 | $5.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.6M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $3.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $3.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.7M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $2.2M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $1.6M |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · The Adirondack Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $22.9M |
| All other intangible assets | RCONJF76 | $1.9M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.4M |
| Mortgage Servicing Assets | RCON3164 | $1.4M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $135K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · The Adirondack Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $3.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.1M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $655K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $626K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $625K |
| Additions to Nonaccrual Assets | RCONC410 | $490K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $316K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $207K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $133K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $77K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $35K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $29K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · The Adirondack Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.74B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.49B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $805.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $665.5M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $595.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $183.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $12.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 44,852 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,025 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 740 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 7 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $3.4M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $2.4M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $918K |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $69K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $307.7M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $307.7M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $265.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $265.4M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $42.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $42.2M |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · The Adirondack Trust Company regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (30 items)
About Schedule RC-R, Part I · The Adirondack Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.74B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.70B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.05B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $196.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $191.8M |
| Retained Earnings | RCOAKW00 | $188.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $178.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $178.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $178.5M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $20.9M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $18.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $13.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $13.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $13.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $13.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$10.6M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $7.7M |
| Less: All Other Deductions from (Additions to) Common Equity Tier 1 Capital Before Threshold-based Deductions | RCOAP850 | $5.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.0M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.7M |
| Additional Tier 1 Capital | RCOAP865 | $57K |
| Additional Tier 1 Capital Before Deductions | RCOAP863 | $57K |
| Tier 1 Minority Interest Not Included in Common Equity Tier 1 Capital | RCOAP862 | $57K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1825 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1699 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1698 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1049 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1025 |
Schedule RC-R, Part II: Risk-Weighted Assets (61 items)
About Schedule RC-R, Part II · The Adirondack Trust Company risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.06B |
| Total Risk-weighted Assets | RCONG641 | $1.05B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $888.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $888.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $837.1M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $697.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $691.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $538.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $533.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $321.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $307.7M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $272.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $265.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $262.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $262.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $256.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $256.7M |
| Total All Other Assets | RCOND981 | $133.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $132.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $100.3M |
| Unconditionally Cancellable Commitments | RCONS540 | $69.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $60.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $58.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $50.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $50.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $43.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $31.4M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $31.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $27.1M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $27.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $26.9M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $26.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $22.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$14.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $8.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $7.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $6.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $5.7M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $5.5M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $5.5M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $5.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $3.8M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $3.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $3.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $3.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 50 Pct Risk Weight Category | RCONG604 | $2.9M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $2.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.4M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $1.4M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $1.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $1.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $597K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $398K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $398K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $398K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $398K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $338K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $138.1M |
Schedule RC-T: Fiduciary and Related Services (31 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $878.9M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $503.0M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $224.5M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $180.1M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $180.1M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $97.2M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $86.3M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $32.5M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $24.8M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $20.8M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $12.2M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $7.8M |
| Income from Fiduciary Activities | RIAD4070 | $2.3M |
| Personal Trust and Agency Accounts | RIADB904 | $1.2M |
| Other Retirement Accounts | RIADB907 | $536K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $308K |
| Employee Benefit-defined Contribution | RIADB905 | $140K |
| Employee Benefit-defined Benefit | RIADB906 | $77K |
| Custody and Safekeeping Accounts | RIADB909 | $75K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,358 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 595 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 573 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 573 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 179 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 152 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 99 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 36 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 7 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 6 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 2 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $196.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $190.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $190.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.3M |
| Other Comprehensive Income | RIADB511 | $279K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · The Adirondack Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $10K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $6K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $5K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $5K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $4K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Loans to Credit Cards | RIADB515 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Adirondack Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $20.0M |
| Allowance for Loan and Lease Losses | RIAD3123 | $20.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $10K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.02B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $627.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $267.2M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $66.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $58.6M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $20.0M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $12.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $3.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $2.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.1M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $989K |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $253K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $210K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $136K |
Schedule RI-E: Explanations (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $3.3M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $800K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $776K |
| Marketing and Other Professional Services | RIAD0497 | $574K |
The Adirondack Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Adirondack Trust Company call report?
The The Adirondack Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Adirondack Trust Company file?
The Adirondack Trust Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Adirondack Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Adirondack Trust Company has Federal Reserve RSSD ID 645317 and FDIC certificate number 660. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Adirondack Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Adirondack Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 660) · FFIEC NIC profile (RSSD 645317)