The Adirondack Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.55 percentage points in Q2 2026 to 11.54%, the biggest move on this page. The Adirondack Trust Company ranks 38th of 82 New York banks on CET1 ratio, in the upper half at 16.98% (Q2 2026). The Adirondack Trust Company reported 16.98% on CET1 ratio for Q2 2026, 3.50 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.98% |
| Tier 1 risk-based capital ratio | 16.99% |
| Total risk-based capital ratio | 18.25% |
| Tier 1 leverage ratio | 10.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $178.5M |
| Tier 1 capital | $178.6M |
| Total risk-based capital | $191.8M |
| Total equity capital | $196.4M |
| Risk-weighted assets | $1.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 10.50% |
| Equity capital to average assets | 11.28% |
| Internal capital growth rate | 5.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $7.5M |
| Retained earnings | $188.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.49% | 15.49% | 16.75% | 10.24% | $1.03B |
| Q4 2023 | 15.62% | 15.62% | 16.88% | 10.19% | $1.03B |
| Q1 2024 | 15.65% | 15.66% | 16.92% | 10.39% | $1.04B |
| Q2 2024 | 15.10% | 15.11% | 16.37% | 10.20% | $1.06B |
| Q3 2024 | 15.24% | 15.25% | 16.50% | 10.23% | $1.06B |
| Q4 2024 | 15.21% | 15.21% | 16.47% | 10.04% | $1.06B |
| Q1 2025 | 15.55% | 15.56% | 16.82% | 10.16% | $1.04B |
| Q2 2025 | 15.59% | 15.59% | 16.85% | 10.45% | $1.06B |
| Q3 2025 | 15.95% | 15.96% | 17.21% | 10.22% | $1.06B |
| Q4 2025 | 16.39% | 16.40% | 17.66% | 10.08% | $1.05B |
| Q1 2026 | 16.66% | 16.67% | 17.93% | 10.24% | $1.04B |
| Q2 2026 | 16.98% | 16.99% | 18.25% | 10.49% | $1.05B |
The Adirondack Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Adirondack Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Adirondack Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 660) · FFIEC NIC profile (RSSD 645317)