ADIRONDACK TRUST CO
SARATOGA SPRINGS, NEW YORK · FDIC Cert #660
Capital & Safety Analysis
According to FDIC financial data, ADIRONDACK TRUST CO holds a Tier 1 capital ratio of 15.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning ADIRONDACK TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
ADIRONDACK TRUST CO shows strong financial health indicators. With $1.6B in assets and a Health Score of 94/100, 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 TRUST CO has a Bank Health Score of A (94/100). It holds a Tier 1 capital ratio of 15.10%, 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 TRUST CO holds $1.6B in total assets and $1.4B in total deposits. It is located in SARATOGA SPRINGS, NEW YORK (FDIC Certificate #660).
ADIRONDACK TRUST CO has a Tier 1 capital ratio of 15.10%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.25%, and the return on assets is 0.92%.
Yes. ADIRONDACK TRUST CO is FDIC-insured (Certificate #660). 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.