BlastPoint's Banking Scorecard
Adirondack Bank
Designations: ✓ Community bank
Utica, NY
19 branches across NY
Adirondack Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.19% above tier average
- + Net Interest Margin 0.05% above tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 63.5% in tier
- - Return on Assets 1.17% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+1.6% YoY
+7.3% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.0% in tier |
| Total Loans ? |
$606.3M
-1.9% YoY
-2.1% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.6% in tier |
| Total Deposits ? |
$922.8M
+1.3% YoY
+8.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.0% in tier |
| Return on Assets ? |
0.19%
-32.1% YoY
-57.6% QoQ
|
-1.17% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.8% in tier |
| Net Interest Margin ? |
3.87%
+2.4% YoY
+0.2% QoQ
|
+0.05% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
95.06%
+5.7% YoY
+9.6% QoQ
|
+34.00% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate ? |
0.69%
-50.1% YoY
-3.6% QoQ
|
-0.20% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
65.70%
-3.1% YoY
-10.0% QoQ
|
-18.51% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.48%
+5.4% YoY
+0.1% QoQ
|
+15.19% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 7.2% in tier |
| Nonperforming Asset Ratio ? |
0.41%
-51.9% YoY
-12.0% QoQ
|
-0.26% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
17.17%
+3.9% YoY
+1.3% QoQ
|
+2.01% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 14.1% in tier |
| Non-Interest Income / Assets ? |
0.14%
+0.4% YoY
-77.0% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.