The Adirondack Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.63 percentage points in Q2 2026, from 258.14% to 253.50%. It was the largest change from Q1 2026 among the key lines here. 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 median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Adirondack Trust Company sits 18.72 points lower, at 69.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.02B |
| Net loans and leases | $1.00B |
| Loans held for sale | $0 |
| Loans to total assets | 60.15% |
| Loan-to-deposit ratio | 69.48% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.35% |
| Multifamily (5+ residential) | 12.99% |
| Commercial and industrial | 6.01% |
| Consumer | 0.58% |
| Credit cards | 0.10% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 253.50% |
| Construction concentration (Tier 1 capital + allowance) | 29.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $13.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $937.4M | $1.39B | 45.45% | 8.62% | 1.67% |
| Q4 2023 | $947.0M | $1.38B | 46.57% | 8.23% | 1.59% |
| Q1 2024 | $954.3M | $1.41B | 46.51% | 8.30% | 1.51% |
| Q2 2024 | $970.0M | $1.39B | 45.99% | 8.11% | 1.53% |
| Q3 2024 | $982.1M | $1.43B | 45.92% | 8.20% | 1.41% |
| Q4 2024 | $994.6M | $1.52B | 45.78% | 7.57% | 1.43% |
| Q1 2025 | $984.1M | $1.44B | 45.41% | 7.70% | 0.77% |
| Q2 2025 | $1.00B | $1.38B | 44.11% | 7.10% | 0.83% |
| Q3 2025 | $1.01B | $1.50B | 44.10% | 6.33% | 0.66% |
| Q4 2025 | $1.01B | $1.56B | 44.00% | 6.07% | 0.65% |
| Q1 2026 | $1.01B | $1.54B | 44.75% | 5.66% | 0.56% |
| Q2 2026 | $1.02B | $1.47B | 44.35% | 6.01% | 0.58% |
The Adirondack Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Adirondack Trust Company, freeSource: Call Report Schedule RC-C, 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)