The Adirondack Trust Company
The Adirondack Trust Company is an FDIC insured institution headquartered at
473 Broadway, Saratoga Springs, NY 12866.
It was founded in
1901 and has approximately $2 billion in assets. Customers can open an account at one of its 13 branches.
Deposit Rates - April 24, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.15% | $10,000 | Compare |
|
6 Mo CD
|
0.15% | $100,000 | Compare |
|
12 Mo CD
|
0.20% | $10,000 | Compare |
|
12 Mo CD
|
0.20% | $100,000 | Compare |
|
24 Mo CD
|
0.35% | $10,000 | Compare |
|
24 Mo CD
|
0.35% | $100,000 | Compare |
|
36 Mo CD
|
0.50% | $10,000 | Compare |
|
36 Mo CD
|
0.50% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
Fixed IRA
|
0.20% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $2,500 |
Loan Rates - April 24, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.98% | $2,182.96 |
|
10 Year Adjustable Conforming
|
7.45% | $2,096.83 |
|
15 Year Fixed Conforming
|
6.77% | $2,831.71 |
|
30 Year Fixed Conforming
|
7.11% | $2,150.50 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.98% | $2,182.96 |
|
10 Year Adjustable Conforming
|
7.45% | $2,096.83 |
|
15 Year Fixed Conforming
|
6.77% | $2,831.71 |
|
30 Year Fixed Conforming
|
7.11% | $2,150.50 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
2.99% | Varies | ||
Compare with 0 RATE Line of Credit from Quicken Loans
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
|
10 Year Loan
|
4.75% | $1,048.48 | ||
|
15 Year Loan
|
5.75% | $830.41 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year
|
5.49% | $477.41 |
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 660 |
| Date Established | 1901 |
| Assets | $ 1,785.37 million |
| Loans | $ 992.04 million |
| Deposits | $ 1,562.06 million |
| Capital | $ 190.22 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 349.98 million |
| Interest-bearing balances | $ 331.60 million |
| Total securities | $ 314.22 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 992.04 million |
| Loan loss allowance | $ 19.97 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.14 million |
| Goodwill and other intangibles | $ 21.46 million |
| All other assets | $ 60.89 million |
| Total Assets | $ 1,595.15 million |
| LIABILITIES | |
| Total deposits | $ 1,562.06 million |
| Interest-bearing deposits | $ 1,166.42 million |
| Deposits held in domestic offices | $ 1,562.06 million |
| % insured (estimated)" | 58.74% |
| Federal funds purchased and repurchase agreements | $ 5.76 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 25.48 millionn |
| Total Liabilities | $ 1,595.15 million |
| Shareholders’ Equity | $ 190.22 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 63.45 million |
| Total Interest Expense | $ 19.50 million |
| Net interest income | $ 43.95 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 31.30 million |
| Total non interest expense | $ 55.58 million |
| Pre-tax Net Operating Income | $ 10.27 million |
Customer Reviews for The Adirondack Trust Company
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