Side-by-side · Q2 2026 data
The Adirondack Trust Company vs Bank of Utica
Metric by metric
| Measure | The Adirondack Trust Company | Bank of Utica |
|---|---|---|
| TellerScore | 69 | 92 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 85 (stronger) | 80 |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 64 | 79 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 53rd | 99th |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.5B | $1.1B |
| Capital ratio | 10.49% | 26.49% (stronger) |
| Problem loans | 0.44% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.95% | 4.80% (stronger) |
| Loans ÷ deposits | 68.1% | 14.3% (stronger) |
| Uninsured deposits | 40.4% | 34.5% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Bank of Utica has the higher TellerScore (92 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Adirondack Trust Company leads on 2 and Bank of Utica on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.