Adirondack Bank
Utica, NY · Cert 28380 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Adirondack Bcorp Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
$1.0BAssets
$607.8MLoans
$928.6MDeposits
$60.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 53% of banks $1B-$10B in assets operating in a single state (rank 120 of 258).
- Widest gap: efficiency ratio trails 100% of banks $1B-$10B in assets operating in a single state (rank 257 of 257).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-2.08%
Rank 258 of 258
Net Interest Margin
3.53%
Rank 120 of 258
Efficiency Ratio
151.25%
Rank 257 of 257
Equity / Assets
6.05%
Rank 253 of 258
Non-interest income vs. expense
Unfavorable gap of $55.5M · efficiency ratio beats 0% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.08% | 0.93% | 1.23% | 1.54% | Beats 0% | 258 / 258 | |
| Return on Equity | -34.30% | 9.26% | 11.84% | 14.74% | Beats 0% | 258 / 258 | |
| Net Interest Margin | 3.53% | 3.16% | 3.49% | 3.88% | Beats 53% | 120 / 258 | |
| Efficiency Ratio | 151.25% | 51.71% | 60.30% | 69.65% | Beats 0% | 257 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.19% | 0.46% | 0.90% | Beats 30% | 181 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 50% | 130 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.41% | 12.98% | 15.12% | Beats 29% | 184 / 258 | |
| Total Risk-Based Capital Ratio | 12.54% | 12.10% | 13.91% | 16.08% | Beats 31% | 177 / 258 | |
| Equity / Assets | 6.05% | 9.09% | 10.24% | 11.72% | Beats 2% | 253 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 65.45% | 73.24% | 86.34% | 95.95% | 13th pctl | 225 / 258 | |
| Loans / Assets | 60.46% | 63.01% | 72.27% | 78.40% | 20th pctl | 206 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |