Total Assets
$1.0B
Total Deposits
$928.6M
Branches
19
Established
1898
Adirondack Bank is a bank headquartered in Utica, New York, established in 1898. It holds $1.0B in total assets across 19 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Adirondack Bank earns a TFS Financial Health Grade of C- (62.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
62.0 / 100
Average 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 |
|---|---|---|---|---|
| Adirondack BankHQ | 185 Genesee St | Utica | NY | 11 |
| Adirondack Bank | 13150 State Route 12 | Boonville | NY | 11 |
| Adirondack Bank | 214 N Washington St | Herkimer | NY | 11 |
| Adirondack Bank | 9576 Main St | Holland Patent | NY | 11 |
| Adirondack Bank | 296 W Main St | Ilion | NY | 11 |
| Adirondack Bank | 2426 Main St | Lake Placid | NY | 11 |
| Adirondack Bank | 38 Hadjis Way | Lake Placid | NY | 11 |
| Adirondack Bank | 699 E Main St | Little Falls | NY | 11 |
| Adirondack Bank | 29 W Main St | Mohawk | NY | 23 |
| Adirondack Bank | 4697 Commercial Dr | New Hartford | NY | 11 |
| Adirondack Bank | 108 Codling St | Old Forge | NY | 11 |
| Adirondack Bank | 448 Route 3 | Plattsburgh | NY | 11 |
| Adirondack Bank | 1709 Black River Blvd N | Rome | NY | 11 |
| Adirondack Bank | 139 Church St | Saranac Lake | NY | 11 |
| Adirondack Bank | 67 Main St | Saranac Lake | NY | 11 |
| Adirondack Bank | 808 Main St | Sylvan Beach | NY | 11 |
| Adirondack Bank | 2817 Genesee St | Utica | NY | 11 |
| Adirondack Bank | 804 Charlotte St | Utica | NY | 23 |
| Adirondack Bank | 136 Oriskany Blvd | Whitesboro | 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
62.0
Tier 1 capital ratio
7.25%
Return on assets
-2.12%
Non-performing loans
0.72%
Efficiency ratio
151.25%
Asset growth (YoY)
4.71%
Suggested direct comparisons
Purchase, NY
$250.4B
$978.3M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.