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The Adirondack Trust Company
Saratoga Springs, NY · FDIC Certificate #660 · Chartered 01/0
Total assets
$1.70B
Total deposits
$1.47B
Total equity
$196.47M
Net loans
$1.00B
Branches (offices)
13
Net income (YTD)
$8.28M
Rank: #666 of 4,213 U.S. banks by assets · #45 of 115 in New York. Assets changed 6.6% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 8.56% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 11.54% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 40.4% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 68.1% |
| Real estate loans (share of loans) | 95.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $952.98M | 95.0% | |
| Commercial & industrial | $61.66M | 6.1% | |
| Consumer / individual | $5.95M | 0.6% | |
| Construction & development | $58.61M | 5.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.67B | $1.51B | $7.80M | $125.82M |
| Jun 2023 | $1.57B | $1.41B | $6.19M | $132.10M |
| Jun 2024 | $1.57B | $1.39B | $5.81M | $151.78M |
| Jun 2025 | $1.60B | $1.38B | $6.12M | $176.57M |
| Jun 2026 | $1.70B | $1.47B | $8.28M | $196.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.47B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.47B.
Similar-sized banks
Cbi Bank & Trust ($1.70B) · Servbank, National Association ($1.70B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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