The Adirondack Trust Company quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8B | $1.5B | $988M | $194M | $3M | 0.76% | 7.06% | 2.86% | 0.44% |
| Q4 2025 | $1.8B | $1.6B | $992M | $190M | $5M | 0.90% | 8.59% | 2.84% | 0.40% |
| Q3 2025 | $1.7B | $1.5B | $989M | $184M | $5M | 0.85% | 8.12% | 2.81% | 0.58% |
| Q2 2025 | $1.6B | $1.4B | $983M | $177M | $4M | 0.74% | 7.13% | 2.76% | 0.44% |
| Q1 2025 | $1.6B | $1.4B | $964M | $172M | $2M | 0.59% | 5.87% | 2.64% | 0.46% |
| Q4 2024 | $1.7B | $1.5B | $975M | $166M | $3M | 0.74% | 7.74% | 2.58% | 0.42% |
| Q3 2024 | $1.6B | $1.4B | $962M | $164M | $3M | 0.77% | 8.09% | 2.58% | 0.53% |
| Q2 2024 | $1.6B | $1.4B | $950M | $152M | $4M | 0.73% | 7.78% | 2.60% | 0.25% |
| Q1 2024 | $1.6B | $1.4B | $934M | $149M | $2M | 0.53% | 5.72% | 2.44% | 0.18% |
| Q4 2023 | $1.6B | $1.4B | $927M | $147M | $3M | 0.84% | 9.99% | 2.74% | 0.18% |
| Q3 2023 | $1.6B | $1.4B | $917M | $134M | $4M | 0.88% | 10.63% | 2.77% | 0.31% |
| Q2 2023 | $1.6B | $1.4B | $904M | $132M | $4M | 0.78% | 9.44% | 2.78% | 0.32% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.