ADIRONDACK TRUST BEGINS 2026 WITH 78TH CONSECUTIVE 5-STAR RATING

Community bank marks over 19 years of exceptional financial strength

January 1, 2026

Saratoga Springs, New YorkAdirondack Trust Company is starting 2026 with continued excellence, earning BauerFinancial’s prestigious 5-Star Superior rating for the 78th consecutive quarter. This remarkable achievement—spanning more than 19 years—solidifies the bank’s status as an “Exceptional Performance Bank,” an elite designation reserved exclusively for institutions that have maintained BauerFinancial’s highest rating for a decade or longer.

BauerFinancial, the nation’s premier independent bank rating firm, assigns its 5-Star Superior rating to the strongest banks in the country, recognizing excellence in capital strength, loan quality, profitability, and overall stability.

“Because community banks put their focus on local people and small businesses, they are perfectly positioned to provide the specialized support that is unique to their area,” assures BauerFinancial President Karen L. Dorway. “Community banks, like Adirondack Trust Company, promote local growth by investing back into the same neighborhoods their deposits come from. By fostering these local relationships, they accomplish two goals: They are highly capitalized, and they are accountable to their customers.”

That accountability and local investment have been central to Adirondack Trust’s philosophy throughout its history.

“Our steadfast commitment to financial strength and to serving our communities enabled us to reach 78 consecutive quarters of Five-Star Superior ratings,” said Adirondack Trust Company President and CEO Charles V. Wait, Jr. “We’ve proven that sound banking principles and deep community investment aren’t just compatible—they’re inseparable. As we begin our 125th year of service, we remain focused on what matters most: being a trusted financial partner that helps our customers and our communities thrive.”

Since its founding in 1901, Adirondack Trust has continuously reinvested in the communities it serves, adapting to meet evolving customer needs while staying true to its community banking roots. Today, that commitment remains as strong as ever, driven by the same values that have guided the bank for 125 years.

BauerFinancial, Inc., based in Coral Gables, Fla., is the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt-out of a BauerFinancial rating. Star ratings are all available for free at bauerfinancial.com.

The Adirondack Trust Company is an independent, locally owned and operated, community bank offering a wide variety of business and personal financial services. The bank has more than $1.4 billion in assets and 13 branch offices. The bank offers banking, trust, insurance, and wealth management services, and originates real estate mortgages, both residential and commercial, and commercial business loans throughout its primary market area. The bank is a Bauer 5-Star Rated Superior bank. The bank’s website is AdirondackTrust.com.

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Adirondack Trust Company
473 Broadway
Saratoga Springs, NY 12866
(518) 584-5844
AdirondackTrust.com