$1.01B
+2.5%y/y
Percentile by value43rd percentileby value
FDIC
LNLSGRAT
The Adirondack Trust Company
Saratoga Springs, New YorkFDIC Cert #660
STATEEstablished 190113 branches
Holding company: ADIRONDACK TR EMPLOYEE STK OWNERSHIP TRRegulator: 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 | $144M |
| Investor CRE | $308M |
| Multifamily | $134M |
| Construction | $58.1M |
| 1–4 family | $299M |
| C&I | $57.2M |
| Agriculture | $0 |
| Other | $8.78M |
Loan book
Reported balances and balance-sheet intensity.
$988M
+2.5%y/y
Percentile by value42nd percentileby value
FDIC
LNLSNET+2.50%
−21.5%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET64.4%
−4.0%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET + DEP56.0%
−4.4%y/y
Percentile by value13th percentileby value
FDIC
LNLSNET + ASSET98.49%
+3.3%y/y
Percentile by value90th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
267%
+1.9%y/y
Percentile by value69th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC31%
+42.1%y/y
Percentile by value32nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,280points
+2.2%y/y
Peer standing39th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD14.29%
−7.5%y/y
Percentile by value64th percentileby value
FDIC
LNRENROW + LNLSGR30.53%
+1.7%y/y
Percentile by value85th percentileby value
FDIC
LNRENROT + LNLSGR5.67%
−26.4%y/y
Percentile by value25th percentileby value
FDIC
LNCI + LNLSGR