Side-by-side · Q2 2026 data
The Adirondack Trust Company vs Arrow Bank National Association
Metric by metric
| Measure | The Adirondack Trust Company | Arrow Bank National Association |
|---|---|---|
| TellerScore | 69 (stronger) | 66 |
| Capital cushion | 55 (stronger) | 43 |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 58 | 64 (stronger) |
| Funding & liquidity | 64 (stronger) | 49 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 53rd | 40th |
| Total assets | $1.7B | $4.5B |
| Deposits / shares | $1.5B | $3.7B |
| Capital ratio | 10.49% (stronger) | 9.33% |
| Problem loans | 0.44% | 0.24% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.95% | 1.11% (stronger) |
| Loans ÷ deposits | 68.1% (stronger) | 94.1% |
| Uninsured deposits | 40.4% | 30.3% (stronger) |
| Offices | 13 | 54 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | 20.5% |
The Adirondack Trust Company has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Adirondack Trust Company leads on 4 and Arrow Bank National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Saratoga Springs, NY
- Queensbury, NY
- Lake George, NY