SBA lender profile
Adirondack Bank
Adirondack Bank appears in the public SBA loan data with 160 funded 7(a) loans since FY2010, totaling $49.7M, an average of $310K per loan, and an estimated 1,537 jobs supported. Its SBA lending concentrates in New York and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 5.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 62
- Scale 58
- Activity 0
- Consistency 66
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Adirondack Bank the right lender for you?
Lenders fund what they know. Adirondack Bank's SBA lending concentrates in New York (160 loans) and Accommodation and Food Services (32 loans), at an average loan of $310K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.0B
- Headquarters
- Utica, NY
- FDIC cert
- #28380
- Status
- Active
Where Adirondack Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New York | 160 | $49.7M |
Metro areas where Adirondack Bank funds
What Adirondack Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 32 | $9.8M |
| Retail Trade | 38 | $9.4M |
| Manufacturing | 18 | $8.6M |
| Professional and Technical Services | 10 | $5.5M |
| Mining and Extraction | 4 | $4.7M |
| Other Services | 13 | $3.1M |
Adirondack Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 24 | $3.3M |
| 2011 | 26 | $2.8M |
| 2012 | 13 | $1.2M |
| 2013 | 13 | $9.2M |
| 2014 | 16 | $4.1M |
| 2015 | 14 | $4.2M |
| 2016 | 27 | $7.5M |
| 2017 | 9 | $2.8M |
| 2018 | 12 | $6.4M |
| 2019 | 4 | $7.2M |
| 2020 | 1 | $390K |
| 2021 | 1 | $506K |
Related SBA lenders
Other lenders active in New York or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Adirondack Bank: frequently asked questions
Does Adirondack Bank offer SBA loans?
Yes. Adirondack Bank appears in the public SBA data with 160 funded SBA 7(a) loans totaling $49.7M.
How many SBA loans has Adirondack Bank made?
Adirondack Bank is associated with 160 SBA 7(a) loans totaling $49.7M in the public SBA data (as of 2026-03-31).
What is Adirondack Bank's SBA charge-off rate?
About 5.0% of Adirondack Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Adirondack Bank do most of its SBA lending?
Adirondack Bank's SBA lending in the data is most concentrated in New York, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Adirondack Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/adirondack-bank/
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