The Adirondack Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.58 percentage points higher than in Q1 2026, at 265.41%. The Adirondack Trust Company ranks 42nd of 105 New York banks on return on assets, in the upper half at 1.12% (Q2 2026). The Adirondack Trust Company reported 1.12% on return on assets for Q2 2026, 0.15 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.98% |
| Tier 1 risk-based capital ratio | 16.99% |
| Total risk-based capital ratio | 18.25% |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 11.54% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.23% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | 265.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 10.02% |
| Net interest margin | 3.20% |
| Efficiency ratio | 68.36% |
| Yield on earning assets | 4.38% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.48% |
| Core deposits to total deposits | 91.93% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.56% |
| Securities to assets | 18.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.49% | 15.49% | 16.75% | 10.24% | 1.10% |
| Q4 2023 | 15.62% | 15.62% | 16.88% | 10.19% | 0.75% |
| Q1 2024 | 15.65% | 15.66% | 16.92% | 10.39% | 0.53% |
| Q2 2024 | 15.10% | 15.11% | 16.37% | 10.20% | 0.93% |
| Q3 2024 | 15.24% | 15.25% | 16.50% | 10.23% | 0.86% |
| Q4 2024 | 15.21% | 15.21% | 16.47% | 10.04% | 0.67% |
| Q1 2025 | 15.55% | 15.56% | 16.82% | 10.16% | 0.60% |
| Q2 2025 | 15.59% | 15.59% | 16.85% | 10.45% | 0.90% |
| Q3 2025 | 15.95% | 15.96% | 17.21% | 10.22% | 1.07% |
| Q4 2025 | 16.39% | 16.40% | 17.66% | 10.08% | 1.06% |
| Q1 2026 | 16.66% | 16.67% | 17.93% | 10.24% | 0.78% |
| Q2 2026 | 16.98% | 16.99% | 18.25% | 10.49% | 1.12% |
The Adirondack Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Adirondack Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)