Is Adirondack Trust Co Safe?
Adirondack Trust Co has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.10% | 100/100 |
| Nonperforming Loan Ratio | 0.25% | 95/100 |
| Liquidity Ratio | 31.50% | 100/100 |
| Return on Assets | 0.92% | 57/100 |
| Total Assets | $1.6B | |
How does Adirondack Trust Co compare?
With a Bank Health Score of 94/100, Adirondack Trust Co sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Adirondack Trust Co ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 15.10% 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 0.25% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Adirondack Trust Co's Bank Health Score fell by 1.0 points to 94/100. Tier 1 capital weakened by 0.39 percentage points to 15.10%.
Adirondack Trust Co has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).