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	10/31/2025
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	$0
Net Income	$1.25M
Net Loans and Leases	$618.11M
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
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	0%
Earning Assets to total Assets	0%

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	$0
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	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

About Adirondack Bank

Explore the latest call report data for Adirondack Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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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?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

19.

When was it established?

01/01/1898.

Who is the primary regulator?

FED.