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 The Adirondack Trust Company
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The Adirondack Trust Company
| RSSD ID 645317 | CERTIFICATE 660 | ABA NUMBER 21302884 |
| 473 Broadway |
Quarter Ended : |
2026-03-31 |
| Saratoga Springs, New York, 12866 |
Updated : |
2026-04-28 |
| adirondacktrust.com |
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| Institution Profile |
| Year Opened : |
1901 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
13 |
Number of Employees : |
262 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,763,293 |
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Total Interest Income | 16,459 |
| Total Liabilities | 1,569,397 |
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Total NonInterest Income | 8,507 |
| Total Bank Equity Capital | 193,839 |
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Total Interest Expense | 4,848 |
| Total Deposits | 1,535,038 |
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Total NonInterest Expense | 15,762 |
| Net Loans & Leases | 988,273 |
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Net Income | 3,390 |
| Loan Loss Allowance | 19,969 |
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Net Charge Offs | 2 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 186,970 |
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Total loans | 1,008,099 |
| Total assets for the leverage ratio | 1,697,260 |
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Loans secured by real estate: | 939,890 |
| Tier 1 Leverage Ratio | 10.24 |
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Commercial and industrial loans | 62,245 |
| Tier 1 Capital Ratio | 16.67 |
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Loans to individuals - Credit Cards | 867 |
| Total Capital Ratio | 17.93 |
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Loans to individuals - Other | 4,993 |
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:· The Adirondack Trust Company
