Is Adirondack Bank Well Capitalized?
Adirondack Bank (FDIC cert #28380) reports a Tier 1 capital ratio of 16.55%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Adirondack Bank carries 8.55 percentage points of cushion above the floor.
This page answers a common banking-safety question: Is Adirondack Bank Well Capitalized?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Adirondack Bank Capital Position
- Tier 1 capital ratio
- 16.55%
- Regulatory status
- well capitalized
- Well-capitalized floor
- 8.00%
- Cushion vs. floor
- +8.55 pts
- Capital factor score
- 100/100
Source: FDIC Call Report data (cert #28380). Regulatory categories follow federal prompt-corrective-action thresholds.
Adirondack Bank's Tier 1 capital ratio of 16.55% sits comfortably above the 8% "well-capitalized" threshold and clears the stricter 10% floor many community banks target — a strong core-equity cushion against loan losses. Tier 1 capital is the loss-absorbing equity that stands between a bank's depositors and its credit risk, which is why regulators weight it so heavily — and why BankHealth assigns it 35% of the composite score (this factor scores 100/100 for Adirondack Bank).
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.
Frequently Asked Questions
Adirondack Bank (FDIC cert #28380) reports a Tier 1 capital ratio of 16.55%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Adirondack Bank carries 8.55 percentage points of cushion above the floor.
The Tier 1 capital ratio measures a bank's core equity capital as a percentage of its risk-weighted assets. It is the single most important regulatory gauge of whether a bank can absorb losses without failing. Federal regulators consider 8% or higher "well-capitalized," and many community banks target 10%+. Adirondack Bank's ratio of 16.55% places it in the "well capitalized" regulatory category.
"Well capitalized" is a federal regulatory status (Tier 1 capital ratio of 8% or more) signaling that a bank holds enough equity to absorb unexpected loan losses. Adirondack Bank meets this bar at 16.55%, the strongest of the federal capital categories. For depositors, insured balances (up to $250,000 per ownership category) are protected by the FDIC regardless of a bank's capital status — strong capital primarily reduces the odds of failure in the first place.
Adirondack Bank's Bank Health Score of 86/100 is 15.0 points above the New York state average of 71/100. 130 FDIC-insured banks are headquartered in New York.
Yes. Adirondack Bank (FDIC certificate #28380) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Adirondack Bank
Adirondack Bank (FDIC cert #28380) reports a Tier 1 capital ratio of 16.55%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Adirondack Bank carries 8.55 percentage points of cushion above the floor.