ADKT (Adirondack Trust Co) Net Loan: $992.04 Mil (As of Dec. 2025)

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ADKT Adirondack Trust Co ADKT
61 GF Score
Price $650.25
GF Value $690.47
Valuation Fairly Valued
! 6 Warning Signs
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What is Adirondack Trust Co Net Loan?

Adirondack Trust Co ADKT 61 Net Loan is $992.04 Mil as of Dec. 2025. GuruFocus rates ADKT with a GF Score™ of 61/100 and a GF Value™ of $690.47 (Fairly Valued). The stock has 6 warning signs investors should review.

Adirondack Trust Co's quarterly net loan increased from Dec. 2023 ($927.02 Mil) to Dec. 2024 ($974.65 Mil) and increased from Dec. 2024 ($974.65 Mil) to Dec. 2025 ($992.04 Mil).

Adirondack Trust Co's annual net loan increased from Dec. 2023 ($927.02 Mil) to Dec. 2024 ($974.65 Mil) and increased from Dec. 2024 ($974.65 Mil) to Dec. 2025 ($992.04 Mil).

Adirondack Trust Co Net Loan Historical Data

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The historical data trend for Adirondack Trust Co's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Adirondack Trust Co Net Loan Chart

Adirondack Trust Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 803.26 881.29 927.02 974.65 992.04

Adirondack Trust Co Semi-Annual Data
Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 803.26 881.29 927.02 974.65 992.04
ADKT
61GF Score
Adirondack Trust Co ADKT
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Adirondack Trust Co Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $992.04 Mil mean?
Adirondack Trust Co (ADKT) has a Net Loan of $992.04 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Adirondack Trust Co and its competitors.
Is Adirondack Trust Co's Net Loan too high?
Adirondack Trust Co's current Net Loan is $992.04 Mil. Overall, Adirondack Trust Co has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Adirondack Trust Co's Net Loan compare to BORT and IROQ?
Adirondack Trust Co's Net Loan of $992.04 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Adirondack Trust Co and its competitors. Adirondack Trust Co's current Net Loan is $992.04 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adirondack Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Adirondack Trust Co (ADKT) is currently considered Fairly Valued. The stock's GF Value™ is $690.47, compared to a current price of $650.25 — trading 5.8% below its estimated fair value. The current Net Loan is $992.04 Mil. Adirondack Trust Co's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Net Loan is $992.04 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Adirondack Trust Co (ADKT) Overvalued in 2026?

Based on GuruFocus' analysis, Adirondack Trust Co stock appears to be undervalued. The current stock price of $650.25 is trading 5.8% below its estimated GF Value™ of $690.47. GuruFocus considers Adirondack Trust Co to be Fairly Valued.

Key valuation signals for ADKT:

  • Net Loan: $992.04 Mil
  • GF Value™: $690.47 vs. price of $650.25 (5.8% below fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the ADKT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Adirondack Trust Co Business Description

Address 473 Broadway, Saratoga Springs, NY, USA, 12866-5607
Adirondack Trust Co is a United States-based company operating as a bank. The company offers financial services including personal banking, business banking, home mortgages, wealth management, investment management, insurance, and online banking.
61GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$650.25
Price
$690.47
GF Value