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Adirondack Bank

IDRSSD: 101671
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ -11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #101671 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.02% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 74.5%, cash 2.0% of assets.

Cash / Assets
2.02%
Loans / Deposits
74.51%
Brokered %
1.19%

Watch Items

  • infoCash / Assets below 3% — Cash 2.02% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.40%
No watch items at this period.

Capitalization

StrongQoQ +6
91
Sub-score

Capital position is strong: Tier 1 RBC 16.29%, CET1 16.29%, leverage 8.37%.

Tier 1 RBC
16.29%
CET1
16.29%
Leverage
8.37%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 7.1%, NCO YTD 0.02%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.02%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
26
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 72.5%, true coverage 59.6%.

ALLL / Loans
0.69%
Coverage
72.5%
True Loss Coverage
59.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:55:07 UTC