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BDI
AT

The Adirondack Trust Company

Saratoga Springs, New YorkFDIC Cert #660

STATEEstablished 190113 branches

Holding company: ADIRONDACK TR EMPLOYEE STK OWNERSHIP TRRegulator: FED

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.62B$1.44B
Q3 2021$1.62B$1.43B
Q4 2021$1.7B$1.51B
Q1 2022$1.67B$1.51B
Q2 2022$1.67B$1.51B
Q3 2022$1.61B$1.46B
Q4 2022$1.64B$1.48B
Q1 2023$1.57B$1.41B
Q2 2023$1.57B$1.41B
Q3 2023$1.61B$1.39B
Q4 2023$1.61B$1.38B
Q1 2024$1.59B$1.41B
Q2 2024$1.57B$1.39B
Q3 2024$1.63B$1.43B
Q4 2024$1.71B$1.52B
Q1 2025$1.64B$1.44B
Q2 2025$1.6B$1.38B
Q3 2025$1.73B$1.5B
Q4 2025$1.79B$1.56B
Q1 2026$1.76B$1.54B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$1.76B
+7.3%y/y
Percentile by value63rd percentileby value
Peer standing in asset:1b_3b
FDICASSET
Deposits
$1.54B
+6.8%y/y
Percentile by value65th percentileby value
Peer standing in asset:1b_3b
FDICDEP
Gross loans
$1.01B
+2.5%y/y
Percentile by value43rd percentileby value
Peer standing in asset:1b_3b
FDICLNLSGR
Net loans
$988M
+2.5%y/y
Percentile by value42nd percentileby value
Peer standing in asset:1b_3b
FDICLNLSNET
Securities
$301M
−23.4%y/y
Percentile by value64th percentileby value
Peer standing in asset:1b_3b
FDICSC
Cash
$342M
+119.4%y/y
Percentile by value93rd percentileby value
Peer standing in asset:1b_3b
FDICCHBAL
Liabilities
$1.57B
+6.7%y/y
Percentile by value63rd percentileby value
Peer standing in asset:1b_3b
FDICLIAB
Equity
$194M
+12.4%y/y
Peer standing67th percentile
Peer standing in asset:1b_3b
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$20.1M
+9.7%y/y
Peer standing70th percentile
Peer standing in asset:1b_3b
FDICNIM + NONII
NII
$11.6M
+14.8%y/y
Peer standing37th percentile
Peer standing in asset:1b_3b
FDICNIM
Noninterest income
$8.51M
+3.5%y/y
Peer standing94th percentile
Peer standing in asset:1b_3b
FDICNONII
Provision
$0
Percentile by value11th percentileby value
Peer standing in asset:1b_3b
FDICELNATR
Pretax income
$4.36M
+39.0%y/y
Peer standing34th percentile
Peer standing in asset:1b_3b
FDICPTAXNETINC
Net income
$3.39M
+36.6%y/y
Peer standing33rd percentile
Peer standing in asset:1b_3b
FDICNETINC