The Adirondack Trust Company
Saratoga Springs, NY
IDRSSD: 645317
Total Assets
$1.73B
Latest filing
Total Deposits
$1.50B
Latest filing
Net Interest Margin
2.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Adirondack Trust Company
473 Broadway
Saratoga Springs, NY 12866
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1901FDIC Certificate 432
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Adirondack Trust Company (Main) | 473 Broadway | Saratoga Springs, NY |
| WEST CHURCH BRANCH | 315 Church Street | Saratoga Springs, NY |
| MALTA BRANCH | 2510 State Route 9 | Malta, NY |
| 112 BROADWAY BRANCH | 112 S Broadway | Saratoga Springs, NY |
| WILTON BRANCH | 650 Maple Avenue | Saratoga Springs, NY |
| NORTHLINE ROAD BRANCH | 162 Northline Road | Saratoga Springs, NY |
| EXIT 15 BRANCH | 3017 Route 50 | Saratoga Springs, NY |
| BALLSTON SPA BRANCH | 224 Church Ave | Ballston Spa, NY |
Showing 7 of 12
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 | 01/01/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12866 |
| State and County Number | 36091 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 275 |
| Domestic Offices | 13 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | adirondacktrust.com |
| Data Updated | 11/14/2025 |
| CERT | 660 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.73B |
| Total Deposits | $1.50B |
| Total Liabilities | $1.55B |
| Total Equity Capital | $183.65M |
| Net Income | $4.51M |
| Net Loans and Leases | $989.12M |
| Assets Per Employee ($Millions) | $6.68M |
| Bank Premises and Fixed Assets | $36.50M |
| Cash and Balances due from Depository Institutions | $273.12M |
| Deposits Held in Domestic Offices | $1.50B |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 10.01% |
| Net Interest Margin | 2.98% |
| Efficiency Ratio | 68.9% |
| Tier 1 Risk-Based Capital Ratio | 15.95% |
| 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 | 10.608% |
| Earning Assets to total Assets | 91.44% |
Income and Expense
| Total Interest Income | $16.38M |
| Total Noninterest Income | $8.00M |
| Total Interest Expense | $5.10M |
| Total Noninterest Expense | $13.42M |
| Net Interest Income | $11.28M |
| Pre-tax Net Operating Income | $5.87M |
| 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 | $135.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $17.12M |
| All Other Liabilities | $27.64M |
| Total Liabilities and Capital | $1.73B |
Securities
| Securities | $339.88M |
| Available-for-sale debt securities | $339.88M |
| 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 |
Frequently Asked Questions
What are the total assets of The Adirondack Trust Company?
$1.73B as of the latest filing.
How much are The Adirondack Trust Company's total deposits?
$1.50B in total deposits.
Where is The Adirondack Trust Company located?
Saratoga Springs, NY.
What is the Net Interest Margin?
2.98%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1901.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$989.12M (latest filing).
What is the total interest income (latest filing)?
$16.38M.