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BDI
AB

Adirondack Bank

Utica, New YorkFDIC Cert #28380

STATEEstablished 189819 branches

Holding company: ADIRONDACK BCORP INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.50%
−46.5%y/y
Peer standing37th percentile
Peer standing in asset:1b_3b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.68%
−49.4%y/y
Peer standing36th percentile
Peer standing in asset:1b_3b
FDICNAASSET + LNLSGR
Noncurrent %
0.68%
−50.1%y/y
Peer standing39th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.41%
−51.9%y/y
Peer standing50th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$4.18M
−51.2%y/y
Peer standing64th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
+139.1%y/y
Peer standing58th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + LNLSGR
NCO
$7K
+138.9%y/y
Peer standing62nd percentile
Peer standing in asset:1b_3b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.77%
+1.6%y/y
Percentile by value12th percentileby value
Peer standing in asset:1b_3b
FDICLNATRES + LNLSGR
30–89
$3.08M
−47.5%y/y
Peer standing53rd percentile
Peer standing in asset:1b_3b
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:1b_3b
FDICP9ASSET
Nonaccrual
$4.18M
−50.3%y/y
Peer standing57th percentile
Peer standing in asset:1b_3b
FDICNAASSET