Adirondack Bank is a bank based in Utica, New York, established in 1898, with $1.0 billion in total assets across 19 branches. By Trust Grade it ranks 100th of 118 banks we track in New York. Its capital ratio of 7.3% trails most similarly sized banks (5th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.19% return on assets. No consumer complaints against Adirondack Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Adirondack Bank compares to New York peers
How we graded Adirondack Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.3% capital ratio)
- Profitable (ROA 0.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Adirondack Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (19)
- 296 W Main St, Ilion, NY 13357
- 38 Hadjis Way, Lake Placid, NY 12946
- 2817 Genesee St, Utica, NY 13501
- 108 Codling St, Old Forge, NY 13420
- 448 Route 3, Plattsburgh, NY 12901
- 804 Charlotte St, Utica, NY 13501
- 136 Oriskany Blvd, Whitesboro, NY 13492
- 139 Church St, Saranac Lake, NY 12983
- 67 Main St, Saranac Lake, NY 12983
- 13150 State Route 12, Boonville, NY 13309
- 29 W Main St, Mohawk, NY 13407
- 185 Genesee St, Utica, NY 13501
- 214 N Washington St, Herkimer, NY 13350
- 1709 Black River Blvd N, Rome, NY 13440
- 699 E Main St, Little Falls, NY 13365
- 9576 Main St, Holland Patent, NY 13354
- 808 Main St, Sylvan Beach, NY 13157
- 4697 Commercial Dr, New Hartford, NY 13413
- 2426 Main St, Lake Placid, NY 12946
Are deposits at Adirondack Bank insured?
Yes. Adirondack Bank is an FDIC-insured bank (FDIC certificate #28380). 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.
Adirondack Bank: frequently asked questions
Is Adirondack Bank a good bank?
Adirondack Bank earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (7.3% capital ratio); Profitable (ROA 0.19%).
Is Adirondack Bank FDIC-insured?
Yes. Adirondack Bank is a FDIC-insured bank (FDIC certificate #28380). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Adirondack Bank?
Adirondack Bank holds $1.0 billion in total assets, ranking 100th of 118 banks we track in New York. It operates 19 branches.
Does Adirondack Bank have CFPB complaints?
No CFPB complaints against Adirondack Bank 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.
