SBA lender profile
The Adirondack Trust Company
The Adirondack Trust Company appears in the public SBA loan data with 99 funded 7(a) loans totaling $11.7M, an average of $118K per loan, and an estimated 628 jobs supported. Its SBA lending concentrates in New York and the Health Care and Social Assistance sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
99
Total volume
$11.7M
Average loan size
$118K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
628
Programs
7(a)
Bank profile
via FDIC- Total assets
- $1.8B
- Headquarters
- Saratoga Springs, NY
- FDIC cert
- #660
- Status
- Active
Where The Adirondack Trust Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New York | 99 | $11.7M |
What The Adirondack Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 9 | $1.7M |
| Wholesale Trade | 3 | $1.5M |
| Accommodation and Food Services | 21 | $1.4M |
| Real Estate | 5 | $1.2M |
| Retail Trade | 13 | $1.1M |
| Administrative and Support | 9 | $1.1M |
The Adirondack Trust Company SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 16 | $1.4M |
| 2021 | 17 | $3.3M |
| 2022 | 12 | $1.0M |
| 2023 | 17 | $2.2M |
| 2024 | 19 | $2.5M |
| 2025 | 7 | $444K |
| 2026 | 11 | $791K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of The Adirondack Trust Company's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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