# ADIRONDACK TRUST CO
SARATOGA SPRINGS, NY · FDIC certificate 660 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.70B | |
| Deposits | $1.47B | |
| Loans and leases | $1.02B | |
| Total equity | $196.5M | |
| Loans / deposits | 68.13% (p14 of band) | 87.10% |
| Liquid assets / assets | 33.16% (p81 of band) | |
| Uninsured deposits / deposits | 40.42% (p74 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.32% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p50 of band) | 10.50% |
| Unrealized securities loss / equity | -7.35% (p52 of band) | -7.75% |
| AOCI / equity | 0.14% (p85 of band) | |
| ROA (annualized) | 0.95% (p26 of band) | 1.26% |
| Net interest margin | 3.07% (p18 of band) | 3.70% |
| Efficiency ratio | 73.01% (p84 of band) | |
| Noncurrent loans | 0.44% (p44 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 442.53% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 29.83% (p30 of band) | |
| Auto loans | $966,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.9M (1% of equity) (p76 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 266 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, expense ratio p90 |  |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | uninsured deposits leaving | capital falling |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | expense ratio p90, deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  | expense ratio p90 |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking |
| 2023-12 | 1 | deposits shrinking | securities losses >30% of equity |
| 2024-03 | 1 | NIM <2.5% | deposits shrinking |
| 2024-06 | 0 |  | NIM <2.5% |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-03-05 [Charles V. Wait Jr. Named President, CEO At Adirondack Trust Co. Succeeding von Schenk - Saratoga.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQUGdWc25hb3d0b1ZPc0hZdkU1TUNJVG8yc2xyZWdOSTJGRWlJUl9BT2h4T2xQdXdGZFpldUxGaVVvd3Z6aVU1eXF6WVVYWEIyUzlDUGMzTjRSb0F1YVF0cTZKMDh4SWwxUjlDTVdTcHEzMUplSm14R0pyXzdHWTYzSWU4X2cxM2VTUWpLNGxlbFBuVHdjSEhFQVRmcEw2T0JxR3JwSWNVVUhMbXJ1NkUtZmN6MGFzV0tqQm04RTJWMjA1YWlBalNNQzdUeFVRcVBjTzY3dHRPUQ?oc=5) · Saratoga.com
- 2020-02-25 [Adirondack Trust Co. names new CEO, president - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdUxhX29QcV9vUkZPSnI4ODdlZGw1TWNMdG9TOU5CYWpNYmllU3hFTWV3MzRFTnBRRWVOM1k1Q0YyYjNIX25HQ2xjTF91OGhnWXZsU0tlNUozMHE3eF9YYnFxMy1wcFJ3dHRsYVNyYm1aeUZaeTEwUkpESE10WWs0TEFsTjlpWG1TaG9zTFVjSEV1VExaUy1mSFliSk01YnhC?oc=5) · The Business Journals
- 2021-10-22 [Golden Corral owner asks feds to reverse Adirondack Trust decision - Times Union](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPQklOZUJJUUllbEtxZTNpT3dpT0gxR3g3cTZPa1lJT1hVdHByS0pDamlpSkIxSjBFU0FNUnIxOFl6QlQyZFcwNVVnLUk3bVZRVm56TWpCWm04RnQzcVViTmRMZDcwVHFMWXFNaUlWTUdhQ1U2bmgxazllbXdCRVdwVHFHeE5VeUFaSHhfd1YwYlhjQi1HaVlDWjdOM2hzWmJheGdLUUNMSWVGdw?oc=5) · Times Union
- 2021-11-01 [Saratoga bank heads north for next branch - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxNS0F2WGJycFFWU1NPWjVQZmhwa3dzcE5BNk0zd1lDSWJOa29BbFQ2Z0ZuR29jUUFDaDlDVDN2Z2l5V00yRTVTOXc1OW1mU1hGVkEtSUlFbFhYVWhHbkdfUGp3bnFDeXJoMnJ2bkVKZ0xYSnFSSGRPT2hyMG82VjVYQ2NBOWlhWG9HaFJ4MTNHdzU?oc=5) · The Business Journals
- 2014-03-04 [Leadership Appointments, Promotions Made By The Adirondack Trust Company - Saratoga.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNVzRvVnpZV3BUTlBkTEFsNXZ6aGwxNmhUSTRENTdobE9xTzdLRWV3VmV4Rnc1ZGlST3RkVHh1WW9uUjdFZGxUdmNhODdCN2F1cW1TNGtvZjBPOS1kMVZwUk9CT09QekIwTUJ2bDRGMVVNYVItZkNBUHQxdHdkVEIwWHd1VWQ0Z0JGOWNFcUFuZ080UmJmaGFtQ2cxbkU4ejZXSmpTODlldmVSdzlicWdOSDZxa2dSbndZUEE0WEtlSzBjY3ZKV1U3SQ?oc=5) · Saratoga.com
- 2021-09-13 [Local hotel, buffet owner says bank admitted to him it found no fraud - Times Union](https://news.google.com/rss/articles/CBMipAFBVV95cUxQeEdFZTFrRUFLOTFpbEg5Y1RXTFNuTlBjZEV5NV9XRFg0RF94b0ZROWUyTHBmd2FOa2NDRDN1eGp0eWhkTzhhS2owUzVnYWkzUk04OVVnaFJfN2s0UEs1elBpMzVNQmVzTllaOW9zNkRUZ21fclZWemhDaW45MlZFNzZyb25ramdMSE8yaUxteGpVaEU1MnFTRlBRQ29QNjZjMGZ4bA?oc=5) · Times Union
- 2016-07-07 [100 Years Later, Time Capsule At Adirondack Trust Co. Opened; New One Put In Its Place - Saratoga.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPN3VKNFhiNlBETmQyMThsTkljYVNuZGY0TDhHWjhtNnh0a3JvbUFwcjVKb2piQTUySWdIdXJuNmdqMFNGSGhYTFRrZENvRmVkTWdYeVVhYU1CWm41ekhXSGhtVDh6X252eFllSzM5VnViWDAwMi0yZ0lLT2ZQZ0l5UUo3cVRXOGhSRF9TNkVFdVZnN0FfWGF1Tm1NeGU4aHpoejJua2RpNTNTcE05Rl9DcmM2YzhHOHNhd3VtdFRrUVRMSG9jdkFMZHBVTkZZUFhydjBjN3F4VDA?oc=5) · Saratoga.com
- 2020-10-14 [Hotel and Golden Corral owners accused of misusing COVID-19 funds - Times Union](https://news.google.com/rss/articles/CBMinwFBVV95cUxQLW8yQkZUeTBXZXZjV2xGYjV5aHlJMFRBMnBtOEY0aXdlOEFtVHlsMW5uM3Q5b3RqemxFdkphLXZibUU1VmdHTnBjVGs4U0h4c0J0eTdXMl9yTXFOTUtlSm9HUU1DTFFXTkdoY2x3cjQxZ2NvNTJ5RUpHalM1eWRMV0F0WkE0elFjX3ZoSElyZzJhakNvM2o5bnpnVmluNFk?oc=5) · Times Union

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=660 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "660", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide