Utica, NY · Cert 28380 · Adirondack Bcorp Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Utica-Rome, NY · 2026 SOD (annual) · 15.0% share · #3 of 9 inst. · $0.8B of $5.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.32% | 0.28% | 0.38% | 0.42% | 0.45% | 0.19% | -2.12% | -250 bps | |
| Return on Equity | 3.68% | 4.84% | 4.07% | 5.37% | 5.95% | 6.22% | 2.52% | -29.99% | -3,536 bps | |
| Net Interest Margin | 3.34% | 3.34% | 3.52% | 3.52% | 3.56% | 3.57% | 3.60% | 3.53% | +1 bps | |
| Efficiency Ratio | 91.74% | 89.99% | 89.97% | 88.34% | 87.46% | 86.76% | 95.06% | 151.25% | +6,291 bps | |
| Non-Interest Burden | 3.01% | 2.94% | 3.10% | 3.04% | 3.03% | 3.01% | 3.39% | 5.64% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | -3.28% | 1.07% | 0.41% | 1.64% | 1.03% | 1.61% | 4.71% | +430 bps | |
| Loan Growth (YoY) | 0.52% | -0.77% | -0.09% | -0.23% | -0.39% | 0.18% | -1.84% | -1.87% | -164 bps | |
| Deposit Growth (YoY) | 1.23% | 0.16% | 1.74% | 0.93% | 2.73% | 1.20% | 1.31% | 6.20% | +527 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.23% | 1.36% | 1.37% | 1.18% | 1.02% | 0.71% | 0.68% | 0.72% | -46 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 0.71% | 0.72% | 0.76% | 0.75% | 0.75% | 0.75% | 0.77% | 0.76% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.6x | 0.6x | 0.7x | 1.1x | 1.1x | 1.1x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 8.50% | 8.47% | 8.59% | 8.55% | 8.54% | 8.52% | 7.25% | -134 bps | |
| Total Risk-Based Capital | 17.40% | 17.45% | 17.49% | 17.76% | 17.53% | 17.94% | 18.15% | 12.54% | -522 bps | |
| Equity / Assets | 7.04% | 6.92% | 6.90% | 7.27% | 7.23% | 7.91% | 7.27% | 6.05% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.32% | 74.34% | 68.33% | 70.83% | 68.18% | 73.58% | 66.21% | 65.45% | -538 bps | |
| Liquid Assets / Assets | 3.92% | 2.09% | 3.36% | 3.40% | 3.10% | 1.40% | 5.21% | 6.74% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 253% | 252% | n/a | n/a | |