BlastPoint's Banking Scorecard
The Adirondack Trust Company
Community
Specialty: Commercial
NY
FDIC cert 660
Saratoga Springs, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
The Adirondack Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+4.1% YoY
+3.2% QoQ
|
+$393.9M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$992.0M
+1.8% YoY
+0.3% QoQ
|
+$16.6M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.6B
+2.8% YoY
+4.0% QoQ
|
+$397.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.90%
+21.7% YoY
+6.3% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
2.84%
+10.1% YoY
+1.3% QoQ
|
-0.82% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
73.18%
-3.0% YoY
-2.0% QoQ
|
+10.55% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.41%
-3.6% YoY
-31.3% QoQ
|
-0.22% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
63.51%
-1.0% YoY
-3.5% QoQ
|
-19.55% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.33%
-2.0% YoY
-7.3% QoQ
|
+4.28% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.24%
-5.7% YoY
-32.5% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
16.40%
+7.8% YoY
+2.8% QoQ
|
+6.16% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
1.75%
+2.2% YoY
+29.2% QoQ
|
+1.01% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#94 of 371 · Top 25% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.75%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.90%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.75% · Tier avg: 0.74%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 10.24%
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.33% · Tier avg: 21.05%
67
67th pctile
Total Loans
Current: $992.0M · Tier avg: $975.5M
61
61th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.18% · Tier avg: 62.63%
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
12
12th pctile
Loan-to-Deposit Ratio
Current: 63.51% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 63.51% · Tier avg: 83.06%
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
20
20th pctile
Efficiency Ratio
Current: 73.18% · Tier avg: 62.63%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
67
67th pctile
Total Loans
Current: $992.0M · Tier avg: $975.5M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.33% · Tier avg: 21.05%
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
85
85th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 10.24%
94
94th pctile
Non-Interest Income / Assets
Current: 1.75% · Tier avg: 0.74%