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The Adirondack Trust Company

IDRSSD: 645317
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
96
/ 100
StrongAs of 2023-Q4QoQ +1

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 #645317 2023-Q4 Vital Signs Score: 96/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.0%, cash 5.5% of assets.

Cash / Assets
5.48%
Loans / Deposits
67.03%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -1
85
Sub-score

Securities profile is strong: securities 24.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.42%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.45%, CET1 15.44%, leverage 10.09%.

Tier 1 RBC
15.45%
CET1
15.44%
Leverage
10.09%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 0.9%, NCO YTD 0.00%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.00%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.11% of loans, coverage 1197.8%, true coverage 734.9%.

ALLL / Loans
2.11%
Coverage
1197.8%
True Loss Coverage
734.9%
No watch items at this period.

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: 2026-05-14 13:36:34 UTC