Bankgraph
FDIC data through Q2 ʼ26
Institutions /

The Adirondack Trust Company

Saratoga Springs, NY FDIC 660 FED Adirondack Trust Employee Stock Ownership Trust Asset group $1B – $10B 13 offices · 266 employees Filed Q2 2026
Assets
$1.7B
Deposits
$1.5B
ROA
0.95%
ROE
8.56%
NIM
3.07%
Efficiency
73.01%
Tier 1 capital
16.99%
Total capital
18.25%
Noncurrent loans
0.44%
Loans / deposits
68.13%

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