Is Adirondack Bank Safe?
Adirondack Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (32/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.55% | 100/100 |
| Nonperforming Loan Ratio | 1.23% | 75/100 |
| Liquidity Ratio | 29.71% | 99/100 |
| Return on Assets | 0.31% | 32/100 |
| Total Assets | $1.0B | |
How does Adirondack Bank compare?
With a Bank Health Score of 86/100, Adirondack Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Adirondack Bank ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 16.55% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.23% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Adirondack Bank's Bank Health Score fell by 3.0 points to 86/100. Tier 1 capital strengthened by 0.48 percentage points to 16.55%. Quarter-over-quarter, the score fell by 1.0 points.
Adirondack Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (32/100).