$611M
−1.8%y/y
Percentile by value6th percentileby value
FDIC
LNLSGRAB
Adirondack Bank
Utica, New YorkFDIC Cert #28380
STATEEstablished 189819 branches
Holding company: ADIRONDACK BCORP INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $55M |
| Investor CRE | $86.8M |
| Multifamily | $40.9M |
| Construction | $28.2M |
| 1–4 family | $292M |
| C&I | $102M |
| Agriculture | $0 |
| Other | $5.77M |
Loan book
Reported balances and balance-sheet intensity.
$606M
−1.9%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET−1.86%
−1,062.1%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET65.7%
−3.1%y/y
Percentile by value13th percentileby value
FDIC
LNLSNET + DEP60.0%
−3.4%y/y
Percentile by value18th percentileby value
FDIC
LNLSNET + ASSET87.60%
+1.2%y/y
Percentile by value57th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
176%
+2.9%y/y
Percentile by value30th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC32%
−10.3%y/y
Percentile by value33rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,945points
−1.1%y/y
Peer standing18th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD9.01%
−7.5%y/y
Percentile by value31st percentileby value
FDIC
LNRENROW + LNLSGR14.20%
+1.6%y/y
Percentile by value30th percentileby value
FDIC
LNRENROT + LNLSGR16.66%
−3.2%y/y
Percentile by value76th percentileby value
FDIC
LNCI + LNLSGR