0.76%
+29.3%y/y
Peer standing22nd percentile
FDIC
NETINC + ROAAT
The Adirondack Trust Company
Saratoga Springs, New YorkFDIC Cert #660
STATEEstablished 190113 branches
Holding company: ADIRONDACK TR EMPLOYEE STK OWNERSHIP TRRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
7.06%
+20.3%y/y
Peer standing21st percentile
FDIC
NETINC + ROE0.98%
+31.6%y/y
Peer standing23rd percentile
FDIC
PTAXNETINC + ASSET2.86%
+8.2%y/y
Peer standing12th percentile
FDIC
NIM + NIMY4.05%
+5.5%y/y
Peer standing3rd percentile
FDIC
INTINCY1.71%
−1.4%y/y
Peer standing91st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
77.74%
−5.4%y/y
Peer standing13th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.55%
−1.9%y/y
Peer standing11th percentile
FDIC
NONIX + ASSET42.29%
−5.7%y/y
Percentile by value95th percentileby value
FDIC
NONII + NIM+7.28%
+132.9%y/y
Percentile by value65th percentileby value
FDIC
ASSET+6.83%
+334.3%y/y
Percentile by value63rd percentileby value
FDIC
DEP+2.50%
−21.5%y/y
Percentile by value29th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.76%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE7.06%21st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY2.86%12th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR77.74%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+6.83%63rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+2.50%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.44%56th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.24%45th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.71%91st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC267%69th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.76%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.97%90th 2.02%Observations 116
ROE
FDIC
NETINC + ROE7.06%46th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.07%Median 7.55%90th 15.10%Observations 116
NIM
FDIC
NIM + NIMY2.86%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.54%Median 3.39%90th 4.44%Observations 129
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR77.74%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.52%Median 69.06%90th 93.95%Observations 116
Deposits YoY
FDIC
DEP+6.83%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.15%Median +2.83%90th +13.50%Observations 121
Loans YoY
FDIC
LNLSNET+2.50%40th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.50%Median +4.22%90th +22.03%Observations 118
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.44%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.70%90th 2.49%Observations 118
Leverage
FDIC
RBC1AAJ10.24%43rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 4.90%Median 10.71%90th 25.91%Observations 129
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.71%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.15%Median 2.43%90th 3.81%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC267%74th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 168%90th 371%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.76%30th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.54%Median 1.02%90th 1.99%Observations 24
ROE
FDIC
NETINC + ROE7.06%30th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.52%Median 10.15%90th 15.30%Observations 24
NIM
FDIC
NIM + NIMY2.86%21st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.04%Median 3.41%90th 4.45%Observations 25
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR77.74%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 38.00%Median 63.99%90th 78.36%Observations 24
Deposits YoY
FDIC
DEP+6.83%78th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.91%Median +3.74%90th +11.06%Observations 24
Loans YoY
FDIC
LNLSNET+2.50%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +4.10%90th +25.06%Observations 24
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.44%74th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.65%90th 2.20%Observations 24
Leverage
FDIC
RBC1AAJ10.24%46th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.61%Median 10.25%90th 16.87%Observations 25
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.71%87th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.56%Median 2.56%90th 3.48%Observations 24
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC267%63rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 147%Median 252%90th 416%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.