ADIRONDACK BANK, NATIONAL ASSOCIATION

UTICA, NY · Supervised by OTS

Est. 1898FDIC #28,380

Outstanding Same

Current rating · Exam: July 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.19%

Institution Profile

FDIC BankFind

Website

www.adirondackbank.com

Address

185 Genesee St, UTICA, NY

County

Oneida County

Established

January 1, 1898

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 11, 1994

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$923M

Net Loans

$606M

Net Income

$466K

ROA

0.19%

ROE

2.52%

Risk-Based Capital

18.15%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.19%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$874M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	364	65.11%	13.19%
2023	478	72.38%	15.27%
2022	606	72.44%	16.17%
2021	493	83.77%	9.33%
2020	525	74.48%	16.00%
2019	520	75%	16.92%
2018	627	75.28%	16.27%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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