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The Adirondack Trust Company

$1B-$10B Specialty: Commercial NY FDIC cert 660

Designations: ✓ Community bank

Saratoga Springs, NY

13 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +6.9% year over year ($1.5B on the books).
  • Delinquency rate 0.45%.
  • Return on assets 0.95%.
  • Efficiency ratio 73.01% vs a 59.73% peer average.
  • Loan-to-deposit ratio 68.13% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

The Adirondack Trust Company has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 31.1% in tier
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.45% below tier average
  • - Net Interest Margin 0.80% below tier average
  • - Efficiency Ratio 13.29% above tier average
Get updates when The Adirondack Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $1.7B
+6.6% YoY -3.5% QoQ
-$1.1B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $1.0B
+2.1% YoY +1.6% QoQ
-$959.6M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $1.5B
+6.9% YoY -4.0% QoQ
-$845.6M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.95%
+27.7% YoY +23.7% QoQ
-0.45% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 3.07%
+11.3% YoY +7.6% QoQ
-0.80% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 73.01%
-6.1% YoY -6.1% QoQ
+13.29% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.45%
-0.2% YoY +1.3% QoQ
-0.42% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 68.13%
-4.5% YoY +5.8% QoQ
-16.91% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 13.4% in tier
Non-Interest-Bearing Deposit Share ? 27.82%
-1.6% YoY +6.9% QoQ
+6.55% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.27%
-4.5% YoY +6.5% QoQ
-0.40% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 16.99%
+8.9% YoY +1.9% QoQ
+2.15% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 14.9% in tier
Non-Interest Income / Assets ? 0.95%
-1.8% YoY +97.5% QoQ
+0.43% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Top 6.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 27.8%
-0.5pp YoY
+1.8pp QoQ
 +6.5pp 21.4% 22.1% 22.2% 79%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 6.1%
-1.1pp YoY
+0.4pp QoQ
 -7.9pp 14.0% 11.0% 12.5% 24%
CRE 64.4%
0.0pp YoY
-0.7pp QoQ
 +14.4pp 50.0% 46.2% 41.4% 82%
1-4 Family 30.5%
+1.3pp YoY
+0.3pp QoQ
 +4.1pp 26.4% 36.6% 31.3% 67%
Consumer 0.6%
-0.3pp YoY
0.0pp QoQ
 -4.1pp 4.7% 5.1% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 17.0%
+1.4pp YoY
+0.3pp QoQ
 +1.4pp 15.6% 26.1% 19.7% 83%
Leverage Ratio 10.5%
0.0pp YoY
+0.2pp QoQ
 -0.8pp 11.3% 13.9% 12.6% 50%
Total Capital Ratio 18.2%
+1.4pp YoY
+0.3pp QoQ
 +1.6pp 16.7% 27.2% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 266
-9 (-3.3%) YoY
+4 (+1.5%) QoQ
 -48 313 914 482 58%
Assets per Employee ($) $6.4M
+10.2% YoY
-4.9% QoQ
 -$4.1M $10.5M $14.8M $8.8M 16%
Branch Count 13
0 YoY
0 QoQ
 -7 20 27 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 69%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.8% 1.3% 1.0% 39%
Allowance Coverage 4.43x
-1.9% YoY
-2.8% QoQ
 -14.28x 18.71x 1.92x 20.23x 75%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 8.6%
+1.4pp YoY
+1.5pp QoQ
 -4.0pp 12.6% 7.9% 11.6% 23%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.8% 1.7% 11%
Net Income ($, YTD) $8.3M
+35.3% YoY
— QoQ
 -$11.0M $19.2M $111.2M $40.4M 31%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#70 of 222 • Top 31.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.95%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 0.95%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

61
Non-Interest Income / Assets
revenue_mix
Value: 0.95%
Peer Median: 0.53%
#61 of 885 Top 6.8% in $1B-$10B
120
Loan-to-Deposit Ratio
liquidity
Value: 68.13%
Peer Median: 85.04%
#120 of 885 Top 13.4% in $1B-$10B
133
Tier 1 Capital Ratio
capital
Value: 16.99%
Peer Median: 14.84%
#133 of 885 Top 14.9% in $1B-$10B
188
Non-Interest-Bearing Deposit Share
funding
Value: 27.82%
Peer Median: 21.27%
#188 of 885 Top 21.1% in $1B-$10B

Top Weaknesses (2 metrics)

744
Efficiency Ratio
profitability
Value: 73.01%
Peer Median: 59.73%
#744 of 885 Bottom 16.0% in $1B-$10B
734
Net Interest Margin
profitability
Value: 3.07%
Peer Median: 3.87%
#734 of 885 Bottom 17.2% in $1B-$10B
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