NORTH COUNTRY SAVINGS BANK, THE

CANTON, NY | Small | Est. May 9, 1909, midnight | FDIC #16030 | RSSD #166111 | FDIC
Latest Report: 2025-12-31

NORTH COUNTRY SAVINGS BANK, THE is asn small FDIC-insured commercial bank headquartered in CANTON, NY, established in May 9, 1909, midnight. As of 2025-12-31, the bank reported total assets of $366M and total deposits of $289M. Profitability stands at 0.87% ROA and 6.62% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 23.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 4.03%. FDIC Certificate #16030. The institution operates 1 domestic branch.

Assets

$366M

Deposits

$289M

Loans

$310M

Equity

$48M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 6.62%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.49%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.03%
NPA Ratio 0.54%
ACL / Loans 0.42%

Capital & Liquidity

CET1 Ratio 23.08%
Tier 1 Capital 23.08%
Total Capital Ratio 23.67%
Leverage Ratio 14.33%
Loan-to-Deposit 107.23%

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