The Adirondack Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Adirondack Trust Company of Saratoga Springs, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.12% | 1.44% | -0.32% | 38th below |
| ROAE | 10.02% | 12.51% | -2.49% | 32nd below |
| Net Interest Margin | 3.20% | 3.84% | -0.64% | 22nd bottom |
| Efficiency Ratio | 68.36% | 58.86% | +9.50% | 24th bottom |
| PPNR / Avg Assets | 1.47% | 1.78% | -0.31% | 35th below |
| Yield on Earning Assets | 4.38% | 5.72% | -1.34% | 5th bottom |
| Cost of Funds | 1.27% | 2.03% | -0.76% | 88th top |
| Net Interest Spread | 2.65% | 3.18% | -0.53% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.96% | -0.23% | 43rd below |
| NPA / Total Assets | 0.45% | 0.75% | -0.30% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 73rd above |
| ACL / Total Loans | 1.95% | 1.25% | +0.70% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 265.41% | 699.32% | -433.91% | 66th above |
| Texas Ratio | 4.23% | 7.16% | -2.93% | 55th above |
| Provision / NCO | 0.00% | 815.61% | -815.61% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.98% | 17.41% | -0.43% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.99% | 17.44% | -0.45% | 83rd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.25% | 18.50% | -0.25% | 83rd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.49% | 11.60% | -1.11% | 50th above |
| Equity / Assets | 11.54% | 11.33% | +0.21% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.50% | 10.65% | -0.15% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.48% | 86.37% | -16.89% | 86th top |
| Core Deposit Ratio | 91.93% | 85.55% | +6.38% | 68th above |
| Uninsured Deposit Ratio | 40.42% | 32.70% | +7.72% | 26th below |
| Wholesale Funding Ratio | 0.32% | 5.46% | -5.14% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.58% | 10.46% | -3.88% | 59th above |
| Loan Growth (Y/Y) | 2.05% | 8.00% | -5.95% | 29th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.89% | 7.98% | -1.09% | 62nd above |
See The Adirondack Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Adirondack Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Adirondack Trust Company profile, how to read a UBPR, or how this data updates.