The Adirondack Trust Company is a bank based in Saratoga Springs, New York, established in 1901, with $1.8 billion in total assets across 13 branches. By Trust Grade it ranks 45th of 118 banks we track in New York. Its capital ratio of 11.0% is stronger than 62% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.76% return on assets. No consumer complaints against The Adirondack Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Adirondack Trust Company compares to New York peers
How we graded The Adirondack Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.0% capital ratio)
- Profitable (ROA 0.76%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Adirondack Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (13)
- 315 Church Street, Saratoga Springs, NY 12866
- 2510 State Route 9, Malta, NY 12020
- 112 S Broadway, Saratoga Springs, NY 12866
- 650 Maple Avenue, Saratoga Springs, NY 12866
- 162 Northline Road, Saratoga Springs, NY 12020
- 3017 Route 50, Saratoga Springs, NY 12866
- 224 Church Ave, Ballston Spa, NY 12020
- 473 Broadway, Saratoga Springs, NY 12866
- 100 Saratoga Blvd, Saratoga Springs, NY 12866
- 376 Bay Rd, Queensbury, NY 12804
- 322 Ruhle Rd S, Ballston Lake, NY 12019
- 79 Main St, Queensbury, NY 12804
- 350 Canada St, Lake George, NY 12845
Are deposits at The Adirondack Trust Company insured?
Yes. The Adirondack Trust Company is an FDIC-insured bank (FDIC certificate #660). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Adirondack Trust Company: frequently asked questions
Is The Adirondack Trust Company a good bank?
The Adirondack Trust Company earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (11.0% capital ratio); Profitable (ROA 0.76%).
Is The Adirondack Trust Company FDIC-insured?
Yes. The Adirondack Trust Company is a FDIC-insured bank (FDIC certificate #660). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Adirondack Trust Company?
The Adirondack Trust Company holds $1.8 billion in total assets, ranking 45th of 118 banks we track in New York. It operates 13 branches.
Does The Adirondack Trust Company have CFPB complaints?
No CFPB complaints against The Adirondack Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
