BlastPoint's Banking Scorecard
Adirondack Bank
Community
Specialty: Commercial
NY
FDIC cert 28380
Utica, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Adirondack Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.42% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 14% in Community
- - Efficiency Drag: Bottom 56% in Community
- - Return on Assets 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$941.6M
+1.0% YoY
-6.0% QoQ
|
-$449.8M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$619.3M
+0.1% YoY
+0.2% QoQ
|
-$356.1M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$848.1M
+1.2% YoY
-7.1% QoQ
|
-$316.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
0.45%
+39.0% YoY
+6.9% QoQ
|
-0.71% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.86%
+8.6% YoY
+2.5% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
86.76%
-3.6% YoY
-0.8% QoQ
|
+24.13% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.71%
-48.0% YoY
-30.3% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
73.03%
-1.0% YoY
+7.9% QoQ
|
-10.04% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
36.46%
-0.3% YoY
+1.0% QoQ
|
+15.42% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.47%
-48.6% YoY
-25.6% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
16.96%
+2.6% YoY
+2.3% QoQ
|
+6.71% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.60%
+2.6% YoY
+43.7% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Non-Interest-Bearing Deposit Share is in the top decile of tier peers. Cheap (no-cost) funding is a larger share of the deposit base than at peers - structural NIM advantage in rising-rate environments.
Why this stands out
Current:
36.46%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Flatlined Growth
risk
#35 of 245 · Bottom 14% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.45%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#86 of 152 · Bottom 56% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.76%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 10%
in Community
Return on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Why this stands out
Current:
0.45%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.46% · Tier avg: 21.05%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.96% · Tier avg: 10.24%
76
76th pctile
Loan-to-Deposit Ratio
Current: 73.03% · Tier avg: 83.06%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
51
51th pctile
Total Deposits
Current: $848.1M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $941.6M · Tier avg: $1.4B
43
43th pctile
Total Loans
Current: $619.3M · Tier avg: $975.5M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.63%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.76% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 86.76% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
35
35th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
43
43th pctile
Total Loans
Current: $619.3M · Tier avg: $975.5M
46
46th pctile
Total Assets
Current: $941.6M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $848.1M · Tier avg: $1.2B
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
76
76th pctile
Loan-to-Deposit Ratio
Current: 73.03% · Tier avg: 83.06%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.96% · Tier avg: 10.24%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.46% · Tier avg: 21.05%