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 The Adirondack Trust Company
The Adirondack Trust Company
| RSSD ID 645317 | CERTIFICATE 660 | ABA NUMBER 21302884 |
| 473 Broadway |
Quarter Ended : |
2025-12-31 |
| Saratoga Springs, New York, 12866 |
Updated : |
2026-01-28 |
| 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 : |
266 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,785,369 |
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Total Interest Income | 63,454 |
| Total Liabilities | 1,595,145 |
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Total NonInterest Income | 31,302 |
| Total Bank Equity Capital | 190,167 |
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Total Interest Expense | 19,502 |
| Total Deposits | 1,562,060 |
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Total NonInterest Expense | 55,576 |
| Net Loans & Leases | 992,043 |
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Net Income | 15,261 |
| Loan Loss Allowance | 19,971 |
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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 | 184,834 |
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Total loans | 1,013,725 |
| Total assets for the leverage ratio | 1,702,810 |
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Loans secured by real estate: | 939,674 |
| Tier 1 Leverage Ratio | 10.08 |
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Commercial and industrial loans | 66,992 |
| Tier 1 Capital Ratio | 16.4 |
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Loans to individuals - Credit Cards | 913 |
| Total Capital Ratio | 17.66 |
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Loans to individuals - Other | 6,023 |
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:· The Adirondack Trust Company
