Side-by-side · Q2 2026 data
The Adirondack Trust Company vs Rhinebeck Bank
Metric by metric
| Measure | The Adirondack Trust Company | Rhinebeck Bank |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 55 | 59 (stronger) |
| Loan quality | 85 | 87 (stronger) |
| Earnings | 58 (stronger) | 53 |
| Funding & liquidity | 64 | 66 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 53rd | 53rd |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.5B | $1.3B |
| Capital ratio | 10.49% | 10.93% (stronger) |
| Problem loans | 0.44% | 0.38% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 0.95% (stronger) | 0.82% |
| Loans ÷ deposits | 68.1% (stronger) | 70.5% |
| Uninsured deposits | 40.4% | 36.5% (stronger) |
| Offices | 13 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | 4.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Adirondack Trust Company leads on 3 and Rhinebeck Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.