Side-by-side · Q2 2026 data
The Adirondack Trust Company vs Ulster Savings Bank
Metric by metric
| Measure | The Adirondack Trust Company | Ulster Savings Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 53 |
| Capital cushion | 55 (stronger) | 48 |
| Loan quality | 85 (stronger) | 49 |
| Earnings | 58 (stronger) | 42 |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 76 |
| Peer percentile | 53rd | 11th |
| Total assets | $1.7B | $1.4B |
| Deposits / shares | $1.5B | $1.2B |
| Capital ratio | 10.49% (stronger) | 9.79% |
| Problem loans | 0.44% (stronger) | 1.54% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.95% (stronger) | 0.55% |
| Loans ÷ deposits | 68.1% (stronger) | 83.6% |
| Uninsured deposits | 40.4% | 20.7% (stronger) |
| Offices | 13 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
The Adirondack Trust Company has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), The Adirondack Trust Company leads on 6 and Ulster Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.