Total Assets
$1.7B
Total Deposits
$1.5B
Branches
13
Established
1901
The Adirondack Trust Company is a bank headquartered in Saratoga Springs, New York, established in 1901. It holds $1.7B in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Adirondack Trust Company earns a TFS Financial Health Grade of B (77.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
77.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Adirondack Trust CompanyHQ | 473 Broadway | Saratoga Springs | NY | 11 |
| The Adirondack Trust Company | 322 Ruhle Rd S | Ballston Lake | NY | 11 |
| The Adirondack Trust Company | 224 Church Ave | Ballston Spa | NY | 11 |
| The Adirondack Trust Company | 350 Canada St | Lake George | NY | 11 |
| The Adirondack Trust Company | 2510 State Route 9 | Malta | NY | 11 |
| The Adirondack Trust Company | 79 Main St | Queensbury | NY | 11 |
| The Adirondack Trust Company | 376 Bay Rd | Queensbury | NY | 11 |
| The Adirondack Trust Company | 112 S Broadway | Saratoga Springs | NY | 11 |
| The Adirondack Trust Company | 100 Saratoga Blvd | Saratoga Springs | NY | 12 |
| The Adirondack Trust Company | 650 Maple Avenue | Saratoga Springs | NY | 11 |
| The Adirondack Trust Company | 315 Church Street | Saratoga Springs | NY | 11 |
| The Adirondack Trust Company | 162 Northline Road | Saratoga Springs | NY | 11 |
| The Adirondack Trust Company | 3017 Route 50 | Saratoga Springs | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
77.3
Tier 1 capital ratio
10.49%
Return on assets
0.95%
Non-performing loans
0.44%
Efficiency ratio
73.01%
Asset growth (YoY)
6.58%
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.