The Adirondack Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.56 percentage points higher than in Q1 2026, at 75.58%. The Adirondack Trust Company ranks 80th of 105 New York banks on loan-to-deposit ratio, in the lower half at 69.48% (Q2 2026). The Adirondack Trust Company reported 69.48% on loan-to-deposit ratio for Q2 2026, 18.72 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $256.7M |
| Cash and noninterest-bearing balances to assets | 15.08% |
| Cash and securities | $564.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.5M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.48% |
| Net loans and leases to deposits | 68.13% |
| Loans and leases to core deposits | 75.58% |
| Core deposits to total deposits | 91.93% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.31% | 95.87% | $7.9M | $52.0M |
| Q4 2023 | 68.48% | 95.81% | $3.6M | $52.0M |
| Q1 2024 | 67.46% | 94.94% | $1.5M | $0 |
| Q2 2024 | 69.87% | 93.70% | $5.7M | $0 |
| Q3 2024 | 68.73% | 93.37% | $11.8M | $0 |
| Q4 2024 | 65.43% | 93.55% | $2.5M | $0 |
| Q1 2025 | 68.48% | 92.08% | $5.9M | $0 |
| Q2 2025 | 72.78% | 91.68% | $13.6M | $0 |
| Q3 2025 | 67.17% | 92.38% | $17.1M | $0 |
| Q4 2025 | 64.79% | 92.48% | $5.8M | $0 |
| Q1 2026 | 65.68% | 92.49% | $6.1M | $0 |
| Q2 2026 | 69.48% | 91.93% | $5.5M | $0 |
The Adirondack Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Adirondack Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)