Business Details
50+ Years
experience
Your Trusted Community Bank for Personal and Business Banking Solutions
We are Adirondack Trust, a community-focused financial institution dedicated to creating tailored solutions for individuals, businesses, and our local community. Established in 1901, we have served the Saratoga Springs, NY area for over a century, combining innovation with personalized customer service. Our expertise spans banking, insurance, and wealth management, offering a comprehensive approach to financial needs. We prioritize community development, evidenced by our role in financing local projects like the Saratoga Springs Performing Arts Center and Skidmore College expansions. Our leadership in technological advancements, including early adoption of online banking and ATMs, demonstrates our commitment to evolving with client needs.We emphasize transparency, ethical practices, and local ownership, ensuring decisions are made by professionals deeply invested in the region's success. Our team's decades of experience, combined with a passion for community welfare, positions us as trusted financial partners. We offer FDIC-insured products, competitive rates, and personalized consultation to support lifelong financial goals. Our dedication to civic engagement, including the ATC Community Fund, reinforces our mission to empower both individuals and organizations. Through consistent growth and adherence to core values, we remain a pillar of financial stability and community progress.
Services
Business Checking Accounts
Mortgage Loans
Wealth Management
Online Banking
Commercial Real Estate Financing
Term Loans
SBA Lending
Cash Management
Investment Services
Insurance Products
Details
- Year established: 1901
Highlights and features
- Over 120 years of community-focused banking experience
- Locally owned and managed with personalized service
- Comprehensive financial solutions for individuals and businesses
- Leaders in technological innovation since 1962
- Active community reinvestment through ATC Community Fund
Associations and certifications
- FDIC
What people say
Exceptional personal service
Knowledgeable loan officers
Community involvement
Reliable online banking
Quick decision-making
Services
Business Checking Accounts
We offer specialized business checking solutions designed for small and medium enterprises. Our accounts provide features like interest-earning options, low minimum balances, and integrated cash management tools. Businesses benefit from local decision-making and personalized service tailored to operational needs.
Mortgage Loans
Our mortgage lending services include fixed-rate, adjustable-rate, and construction loans for residential properties. We provide personalized guidance through the application process with local underwriting expertise. Competitive rates and flexible terms help clients achieve homeownership goals.
Wealth Management
We offer comprehensive wealth management including financial planning, retirement strategies, and portfolio management. Our advisors focus on long-term growth and risk management tailored to individual goals. Services integrate with banking products for holistic financial solutions.
Online Banking
Our WebWise Online Banking platform provides 24/7 access to account management, bill payment, and mobile check deposit. Security features include multi-factor authentication and real-time transaction monitoring. The system supports business cash flow management and personal financial tracking tools.
Commercial Real Estate Financing
We specialize in commercial real estate loans for properties like office buildings, retail centers, and multi-family housing. Financing options include purchase, refinance, and construction loans with flexible repayment terms. Local expertise ensures tailored solutions for property investors.
People
Michael J. O'Connell
Executive Vice President Lending & Retail Banking
With 40 years in banking and 17 at ATC, Michael oversees lending and retail operations. He holds a finance degree from Siena College and serves on the Saratoga County Chamber board. Active in community development initiatives.
Edward Hart
Senior Vice President Commercial Loan Manager
Edward has specialized in commercial lending since 2004. He volunteers at the Wilton Food Pantry and coaches youth sports. Holds a degree from the College of Saint Rose and contributes to local economic councils.
Andrew R. Ferrara
Vice President Commercial Loan Officer
Andrew has served ATC's commercial lending team since 2002. He holds an MBA from Union College and serves on Shelters of Saratoga's board. Recognized for leadership through Leadership Saratoga program completion.
Susanne Rogan
Vice President Commercial Loan Officer
Susanne specializes in strategic lending solutions with a finance degree from Manhattan College. She serves on the Franklin Community Center board and previously managed Shelters of Saratoga's finances.
Ellen A. Brodie
Vice President Commercial Loan Officer
Ellen brings 30 years of banking experience to business lending. A Saratoga native and Leadership Saratoga graduate, she serves on the Downtown Special Assessment District board and supports local economic development initiatives.
Questions
What types of business accounts does Adirondack Trust offer?
We provide Everyday Business Checking, Business Analyzed Checking, and Business Interest Checking accounts tailored to different business needs and transaction volumes.
How long has Adirondack Trust been in business?
We've served the Saratoga Springs community since our founding in 1901, making us a trusted local financial institution for over 120 years.
Can I access online banking services?
Yes, our WebWise Online Banking platform offers 24/7 account access with features like bill payment, mobile check deposit, and e-statements.
What mortgage options are available?
We offer fixed-rate, adjustable-rate, construction, and refinance mortgage loans for primary residences, investment properties, and second homes.
Does Adirondack Trust support local businesses?
We specialize in commercial lending, including SBA loans, commercial real estate financing, and lines of credit to support local business growth.
How does the bank contribute to the community?
Through the ATC Community Fund, we support local charities and have invested in community projects like the Saratoga Performing Arts Center and senior living facilities.
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