Listed locations
12
Institution profile
The Adirondack Trust Company
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- The Adirondack Trust Company
- Display name
- The Adirondack Trust Company
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1901
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Saratoga Springs, NY, 12866, United States
- Website
- https://adirondacktrust.com
- FDIC certificate number
- 660
- Federal Reserve RSSD ID
- 645317
- Domestic location count
- 13
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 660
- Federal Reserve RSSD ID
- 645317
- LEI
- 254900158KALQ2PWDU44
- Headquarters
- 473 Broadway, Saratoga Springs, NY, 12866, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 12 of 12 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| EXIT 11 BRANCH | 322 Ruhle Road | Ballston Lake | NY | 12019 |
| BALLSTON SPA BRANCH | 224 Church Avenue | Ballston Spa | NY | 12020 |
| MALTA OFFICE | 2510 Route 9 | Ballston Spa | NY | 12020 |
| NORTHLINE ROAD BRANCH | 162 Northline Road | Ballston Spa | NY | 12020 |
| LAKE GEORGE BRANCH | 350 Canada Street | Lake George | NY | 12845 |
| EXIT 18 BRANCH | 79 Main Street | Queensbury | NY | 12804 |
| QUEENSBURY BRANCH | 376 Bay Road | Queensbury | NY | 12804 |
| 112 BROADWAY BRANCH | 112 South Broadway | Saratoga Springs | NY | 12866 |
| EXIT 15 BRANCH | 3017 Route 50 | Saratoga Springs | NY | 12866 |
| PRESTWICK CHASE BRANCH | 100 Saratoga Boulevard | Saratoga Springs | NY | 12866 |
| WEST CHURCH BRANCH | Church Street And West Avenue | Saratoga Springs | NY | 12866 |
| WILTON BRANCH | 650 Maple Avenue | Saratoga Springs | NY | 12866 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- June 30, 2025
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| June 30, 2025 | Satisfactory | Federal Reserve | Large Bank Exam |
| December 5, 2022 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| March 11, 2019 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| September 12, 2016 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| April 29, 2013 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| June 13, 2011 | Outstanding | Federal Reserve | Intermediate Small Bank |
| May 18, 2009 | Outstanding | Federal Reserve | Intermediate Small Bank |
| April 23, 2007 | Outstanding | Federal Reserve | Intermediate Small Bank |
| April 4, 2005 | Outstanding | Federal Reserve | Large Bank Exam |
| January 27, 2003 | Outstanding | Federal Reserve | Large Bank Exam |
| February 5, 2001 | Outstanding | Federal Reserve | Large Bank Exam |
| February 1, 1999 | Outstanding | Federal Reserve | Large Bank Exam |
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | ADIRONDACK REIT, INC. | Domestic Entity Other | Saratoga Springs, NY |
| Direct relationship | ADIRONDACK TRUST COMPANY FINANCIAL SERVICES, INC. | Domestic Entity Other | Saratoga Springs, NY |
| ROOT_INSTITUTION | ADIRONDACK TRUST COMPANY, THE | State Member Bank | Saratoga Springs, NY |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank