What is Adirondack Bank's financial health grade?

Adirondack Bank has a TFS Financial Health Grade of C- (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Adirondack Bank have?

Adirondack Bank has 19 branch locations across the United States.

Is Adirondack Bank FDIC insured?

Yes, Adirondack Bank is FDIC insured (Certificate #28380).

What are the total assets of Adirondack Bank?

Adirondack Bank has total assets of $941.6M as reported in its most recent FDIC filing.

Adirondack Bank

BankUtica, New York

www.adirondackbank.com

Total Assets

$941.6M

Total Deposits

$848.1M

Branches

Established

1898

TFS Health Grade

C-

70.0 / 100

Average financial health

How we grade

Adirondack Bank is a bank headquartered in Utica, New York, established in 1898. With $941.6M in total assets and 19 branch locations, it has a TFS Financial Health Grade of C- (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.54%(8%)

Total Capital Ratio

17.94%(10%)

Non-Performing Loan Ratio

0.71%

Profitability

Return on Assets (ROA)

0.45%(1%)

Return on Equity (ROE)

6.22%(10%)

Net Interest Margin

3.86%

Efficiency Ratio

86.76%(60%)

Lending & Liquidity

Total Loans

$624.0M

Loan-to-Deposit Ratio

73.03%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+1.03%

Deposit Growth (YoY)

+1.20%

Net Income

$4.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Adirondack BankHQ	185 Genesee St	Utica	NY	11
Adirondack Bank	13150 State Route 12	Boonville	NY	11
Adirondack Bank	214 N Washington St	Herkimer	NY	11
Adirondack Bank	9576 Main St	Holland Patent	NY	11
Adirondack Bank	296 W Main St	Ilion	NY	11
Adirondack Bank	2426 Main St	Lake Placid	NY	11
Adirondack Bank	38 Hadjis Way	Lake Placid	NY	11
Adirondack Bank	699 E Main St	Little Falls	NY	11
Adirondack Bank	29 W Main St	Mohawk	NY	23
Adirondack Bank	4697 Commercial Dr	New Hartford	NY	11
Adirondack Bank	108 Codling St	Old Forge	NY	11
Adirondack Bank	448 Route 3	Plattsburgh	NY	11
Adirondack Bank	1709 Black River Blvd N	Rome	NY	11
Adirondack Bank	139 Church St	Saranac Lake	NY	11
Adirondack Bank	67 Main St	Saranac Lake	NY	11
Adirondack Bank	808 Main St	Sylvan Beach	NY	11
Adirondack Bank	2817 Genesee St	Utica	NY	11
Adirondack Bank	804 Charlotte St	Utica	NY	23
Adirondack Bank	136 Oriskany Blvd	Whitesboro	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.