BlastPoint's Banking Scorecard
The Adirondack Trust Company
Designations: ✓ Community bank
Saratoga Springs, NY
13 branches across NY
The Adirondack Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 35.3% in tier
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Net Interest Margin 0.96% below tier average
- - Efficiency Ratio 16.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+7.3% YoY
-1.2% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$988.3M
+2.5% YoY
-0.4% QoQ
|
-$976.6M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$1.5B
+6.8% YoY
-1.7% QoQ
|
-$808.3M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.76%
+29.3% YoY
-15.2% QoQ
|
-0.60% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
2.86%
+8.2% YoY
+0.6% QoQ
|
-0.96% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio ? |
77.74%
-5.4% YoY
+6.2% QoQ
|
+16.68% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate ? |
0.44%
-4.9% YoY
+8.3% QoQ
|
-0.44% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
64.38%
-4.0% YoY
+1.4% QoQ
|
-19.82% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.03%
-0.5% YoY
+2.8% QoQ
|
+4.74% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.26%
-9.0% YoY
+9.0% QoQ
|
-0.42% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
16.67%
+7.1% YoY
+1.6% QoQ
|
+1.51% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.48%
-3.5% YoY
-72.5% QoQ
|
+0.22% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 6.6% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.