ADIRONDACK BANK
UTICA, NEW YORK · FDIC Cert #28380
Capital & Safety Analysis
According to FDIC financial data, ADIRONDACK BANK holds a Tier 1 capital ratio of 16.55%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning ADIRONDACK BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
ADIRONDACK BANK shows strong financial health indicators. With $956M in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
ADIRONDACK BANK has a Bank Health Score of A (86/100). It holds a Tier 1 capital ratio of 16.55%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
ADIRONDACK BANK holds $956M in total assets and $866M in total deposits. It is located in UTICA, NEW YORK (FDIC Certificate #28380).
ADIRONDACK BANK has a Tier 1 capital ratio of 16.55%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.23%, and the return on assets is 0.31%.
Yes. ADIRONDACK BANK is FDIC-insured (Certificate #28380). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.