Bank · FDIC insured
Adirondack Trust Company
A $1.7B bank headquartered in Saratoga Springs, NY, with 13 branches in New York. Best rates: CDs 4.06% and savings 0.15% APY.
Adirondack Trust Company Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#21 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Adirondack Trust Company
Founded in 1901 in Saratoga Springs, New York, The Adirondack Trust Company was established to finance ventures across Upstate New York.
The independent, locally owned and managed bank offers comprehensive financial solutions in banking, insurance, and wealth management.
- Headquarters
- 473 Broadway, Saratoga Springs, NY 12866
- FDIC certificate
- 660 ↗
Branches
13 branches in New York
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New York
13 branches
Albany area · 10
- The Adirondack Trust CompanyMain office473 Broadway, Saratoga Springs, NY 12866Directions
- Exit 11 Branch322 Ruhle Rd S, Ballston Lake, NY 12019Directions
- Ballston Spa Branch224 Church Ave, Ballston Spa, NY 12020Directions
- Malta Branch2510 State Route 9, Malta, NY 12020Directions
- 112 Broadway Branch112 S Broadway, Saratoga Springs, NY 12866Directions
- Exit 15 Branch3017 Route 50, Saratoga Springs, NY 12866Directions
- Northline Road Branch162 Northline Road, Saratoga Springs, NY 12020Directions
- Prestwick Chase Branch100 Saratoga Blvd, Saratoga Springs, NY 12866Directions
- West Church Branch315 Church Street, Saratoga Springs, NY 12866Directions
- Wilton Branch650 Maple Avenue, Saratoga Springs, NY 12866Directions
Glens Falls area · 3
- Lake George Branch350 Canada St, Lake George, NY 12845Directions
- E18 Branch79 Main St, Queensbury, NY 12804Directions
- Queensbury Office Branch376 Bay Rd, Queensbury, NY 12804Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.49% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.44% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.95% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $69 | $88 | — |
- CapitalLeverage ratio10.49%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.44%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.95%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$69Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Adirondack Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.