The Adirondack Trust Company
Headquartered in SARATOGA SPRINGS, NY. Analysis based on 93 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $11.3M.
Total 7(a) loans
93
Total approved
$11.3M
Average loan
$121K
States funded in
1
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
32.26%
Average rate
6.31%
Average term
84 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 11 |
| 722513 | Limited-Service Restaurants | 5 |
| 484110 | General Freight Trucking, Local | 4 |
| 561720 | Janitorial Services | 4 |
| 713940 | Fitness and Recreational Sports Centers | 3 |
| 621210 | Offices of Dentists | 3 |
| 238210 | Electrical Contractors | 2 |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 2 |
| 541940 | Veterinary Services | 2 |
| 522320 | Financial Transactions Processing, Reserve, and Clearinghouse Activiti | 2 |
Top 10 states
| State | Loans |
|---|---|
| NY | 93 |
Top franchise brands financed
1 franchise loans across 1 distinct brands.
| Franchise | Loans |
|---|---|
| RNR Tire Express | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.