Adirondack Bank: Bank Stress & Real-Estate Credit Exposure

Adirondack Bank (FDIC Cert #28380) carries a DLRadar bank-stress score of 100/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as Oneida County, NY, Essex County, NY, Herkimer County, NY, Clinton County, NY, each tied back to DLRadar's distress signals. Because Adirondack Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 100/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because Adirondack Bank is held under Adirondack Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Rather than a standalone rating, the severe score is tied to real markets — every one of the 154 ZIP codes Adirondack Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. A severe score on a footprint this size means the markets Adirondack Bank touches inherit a corresponding share of that lending pressure. DLRadar maps Adirondack Bank into 5 counties (154 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in New York (5 counties). What separates this from a plain credit rating is the geographic weighting — Adirondack Bank's 100/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first.

For buyers, lender stress is an early map of supply: when Adirondack Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.