Adirondack Bank
Utica, NY
IDRSSD: 101671
Total Assets
$1.00B
Latest filing
Total Deposits
$913.34M
Latest filing
Net Interest Margin
3.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Adirondack Bank
185 Genesee St
Utica, NY 13501
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1898FDIC Certificate 41214
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Adirondack Bank (Main) | 185 Genesee St | Utica, NY |
| ILION BRANCH | 296 W Main St | Ilion, NY |
| COLD BROOK PLAZA EAST BRANCH | 38 Hadjis Way | Lake Placid, NY |
| UTICA BRANCH | 2817 Genesee St | Utica, NY |
| OLD FORGE BRANCH | 108 Codling St | Old Forge, NY |
| PLATTSBURGH BRANCH | 448 Route 3 | Plattsburgh, NY |
| CHARLOTTE STREET BRANCH | 804 Charlotte St | Utica, NY |
| ORISKANY BOULEVARD BRANCH | 136 Oriskany Blvd | Whitesboro, NY |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1898 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13501 |
| State and County Number | 36065 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Utica-Rome, NY |
Operational Info
| Number of Employees | 199 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.adirondackbank.com |
| Data Updated | 11/14/2025 |
| CERT | 28380 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.00B |
| Total Deposits | $913.34M |
| Total Liabilities | $929.76M |
| Total Equity Capital | $72.43M |
| Net Income | $1.25M |
| Net Loans and Leases | $618.11M |
| Assets Per Employee ($Millions) | $4.96M |
| Bank Premises and Fixed Assets | $8.11M |
| Cash and Balances due from Depository Institutions | $37.80M |
| Deposits Held in Domestic Offices | $913.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.51% |
| Return on Equity (ROE) | 7.05% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 85.76% |
| Tier 1 Risk-Based Capital Ratio | 16.575% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.227% |
| Earning Assets to total Assets | 93.48% |
Income and Expense
| Total Interest Income | $10.53M |
| Total Noninterest Income | $1.46M |
| Total Interest Expense | $1.85M |
| Total Noninterest Expense | $8.69M |
| Net Interest Income | $8.68M |
| Pre-tax Net Operating Income | $1.44M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $16.41M |
| Total Liabilities and Capital | $1.00B |
Securities
| Securities | $293.96M |
| Available-for-sale debt securities | $287.70M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $6.26M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Adirondack Bank?
$1.00B as of the latest filing.
How much are Adirondack Bank's total deposits?
$913.34M in total deposits.
Where is Adirondack Bank located?
Utica, NY.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
19.
When was it established?
01/01/1898.
What is the Return on Assets (ROA)?
0.51%.
How much are total loans and leases?
$618.11M (latest filing).
What is the total interest income (latest filing)?
$10.53M.