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Adirondack Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #101671 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.9% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +2
87
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 69.8%, cash 4.7% of assets.

Cash / Assets
4.71%
Loans / Deposits
69.82%
Brokered %
1.12%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.27%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 16.47%, CET1 16.47%, leverage 8.55%.

Tier 1 RBC
16.47%
CET1
16.47%
Leverage
8.55%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 1.24%, Texas Ratio 9.0%, NCO YTD -0.03%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
-0.03%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
18
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 58.0%, true coverage 49.9%.

ALLL / Loans
0.71%
Coverage
58.0%
True Loss Coverage
49.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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