Adirondack Bank (FDIC #28380): Bank Stress & Real-Estate Credit Exposure
Adirondack Bank (FDIC Cert #28380): bank stress 100/100, severe, STABLE over 7 days; parent ADIRONDACK BCORP INC.
Adirondack Bank (#28380) lends in 5 counties across 1 state; Adirondack Bank (#28380) reaches 154 ZIP codes: New York 5 counties, 154 ZIPs.
Adirondack Bank (#28380) largest markets: Oneida County, NY (495 branches, 55 ZIPs) (#28380), Essex County, NY (72 branches, 36 ZIPs) (#28380), Herkimer County, NY (145 branches, 29 ZIPs) (#28380), Clinton County, NY (27 branches, 27 ZIPs) (#28380), Franklin County, NY (48 branches, 24 ZIPs) (#28380).
Adirondack Bank (#28380) reports $1.01 billion in total assets; Adirondack Bank (#28380) equity $60.9 million (6.1% of Adirondack Bank (#28380) assets); Adirondack Bank (#28380) domestic deposits $928.6 million; Adirondack Bank (#28380) net income minus $10.4 million; Adirondack Bank (#28380) return on assets -2.12%; Adirondack Bank (#28380) return on equity -29.99%; Adirondack Bank (#28380) net interest income $17.4 million; Adirondack Bank (#28380) call report June 30, 2026.
Adirondack Bank (#28380) noncurrent real-estate loans: none reported; Adirondack Bank (#28380) net charge-offs on real estate 0.81%; Adirondack Bank (#28380) residential charge-offs 0.71%.
Adirondack Bank (#28380) net interest margin 3.76% against an eight-quarter Adirondack Bank (#28380) average of 3.74% (Adirondack Bank (#28380) compression -0.02 points); Adirondack Bank (#28380) non-residential real estate 70.9% of equity; Adirondack Bank (#28380) rate-exposure score 40/100, Adirondack Bank (#28380) fixed-rate trap 40/100; Adirondack Bank (#28380) risk type credit driven; Adirondack Bank (#28380) rate regime rates elevated, Adirondack Bank (#28380) snapshot October 19, 2026.
Adirondack Bank (#28380) stress score moved from 94.5 on June 22, 2026 to 100 on October 20, 2026; Adirondack Bank (#28380) ranged 94.5 to 100 over 117 snapshots.
Adirondack Bank (#28380) alerts: 5 counties; top Adirondack Bank (#28380) alert scores: Lake Placid County, NY 34 (low); Old Forge County, NY 34 (low); Plattsburgh County, NY 34 (low); Saranac Lake County, NY 34 (low); Whitesboro County, NY 34 (low).