The Adirondack Trust Company

473 Broadway
Saratoga Springs, NY 12866
1-800-485-7899
www.adirondacktrust.com

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The Adirondack Trust Company is headquartered in Saratoga Springs and is the 43^rd largest bank in the state of New York. It is also the 651^st largest bank in the nation. It was established in 1901 and as of December of 2012, it had grown to 240 employees at 11 locations. The Adirondack Trust Company's savings rates are 92% higher than the national average, and it has a 4-star health rating.

The Adirondack Trust Company Routing Number: 021302884

Adirondack Trust HSA: New Monthly And Opening Fees Start Oct 1 '11 (Forum) - 8/24/2011

As of 10/1/2011, there is a $4 monthly and $25 opening fee for HSA accounts.

Top Rate for Health Savings Account at The Adirondack Trust Company - Available Nationwide - 4/17/2011

The Adirondack Trust Company is offering a very competitive rate on its Health Savings Account (HSA) of 5.00% APY. However, this is scheduled to fall to 3.00% APY effective May 1, 2011. These rates an ...

Adriondack Trust Company HSA (Forum) - 3/9/2011

They are paying 5% on an HSA, no fees. Deposit Accounts shows them only when searching nationwide and local. In a call to them I found that anyone can open one. I was also told that the rate is dropping to 3% as of May 1, 2011. I asked how long they ha

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Adirondack Trust Company Checking Account Rates

	Apy	Min	Max	Product
	0.05%	-	-	NOW Account

The Adirondack Trust Company Savings Account Rates

Apy	Min	Max	Product
1.00%	-	-	Health Savings Account
0.10%	-	-	Regular Passbook
0.10%	-	-	Golden Passbook
0.10%	-	-	Statement Savings

The Adirondack Trust Company Money Market Rates

Apy	Min	Max	Product
0.30%	$200k	-	High Peaks Tiered Money Market
0.30%	$500k	-	Corporate High Peaks Tiered Money Market
0.15%	-	-	High Yield Money Market
0.10%	$2,500	-	Money Market (MMDA)

The Adirondack Trust Company CD Rates

Apy	Min	Max	Product
0.50%	$500	-	3 Year CD
0.35%	$500	-	2 Year CD
0.20%	$500	-	1 Year CD
0.15%	$500	-	182 Day CD
0.10%	$500	-	7 Day CD
0.10%	$500	-	32 Day CD
0.10%	$500	-	91 Day CD

The Adirondack Trust Company IRA Rates

Apy	Min	Max	Product
0.50%	$500	-	3 Year IRA
0.50%	$500	-	3 Year Roth IRA
0.50%	$500	-	3 Year SEP IRA
0.50%	$500	-	3 Year Education IRA
0.35%	$500	-	2 Year IRA
0.35%	$500	-	2 Year Roth IRA
0.35%	$500	-	2 Year SEP IRA
0.35%	$500	-	2 Year Education IRA
0.20%	$500	-	1 Year IRA
0.20%	$500	-	1 Year Roth IRA
0.20%	$500	-	1 Year SEP IRA
0.20%	$500	-	1 Year Education IRA
0.15%	$500	-	182 Day IRA
0.15%	$500	-	182 Day Roth IRA
0.15%	$500	-	182 Day SEP IRA
0.15%	$500	-	182 Day Education IRA
0.10%	$500	-	91 Day IRA
0.10%	$500	-	91 Day Roth IRA
0.10%	$500	-	91 Day SEP IRA
0.10%	$500	-	91 Day Education IRA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

The Adirondack Trust Company
FDIC Certificate #	660
BankRate Report	View
Year Established	1901
Employees	240
Primary Regulator	FED
Assets and Liabilities
Assets	$1.02 billion
Loans	$495.35 million
Deposits	$894.75 million
Equity Capital	$103.25 million
Loan Loss Allowance	$8.94 million
Unbacked Noncurrent Loans	$6.49 million
Real Estate Owned	$3.52 million
Historic Data - December 2011
Assets	$909.06 million
Equity Capital	$100.64 million
Loan Loss Allowance	$9.26 million
Unbacked Noncurrent Loans	$3.32 million
Real Estate Owned	$3.17 million
Profit Margin - Quarterly
Net Interest Margin	3%
Return on Assets	0.99%
Return on Equity	9.25%
Interest Income	$28.53 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 The Adirondack Trust Company had $10.01 million in non-current loans and owned real-estate with $112.19 million in equity and loan loss allowances on hand to cover it. This gives The Adirondack Trust Company a Texas Ratio of 8.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Adirondack Trust Company held steady from 5.91% as of December 31, 2011 to 8.92% as of December 31, 2012, resulting in a negative change of 50.93%. This indicates that the balance sheet and financial strength for The Adirondack Trust Company has held steady in recent periods.
Deposit Growth
In the past year, The Adirondack Trust Company has increased its total deposits by $103.23 million, resulting in 13.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Adirondack Trust Company has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Adirondack Trust Company has $1.02 billion in assets with $112.19 million in equity, resulting in a capitalization level of 11.04%, which is above average.