The North Country Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The North Country Savings Bank is an FDIC-insured savings bank headquartered in Canton, NY, established in 1909 (FDIC certificate 16030), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $373.5M, up 7.4% from Q2 2025, the 77th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 23.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16030
- Headquarters
- Canton, NY
- Established
- 1909
- Total assets, Q2 2026
- $373.5M
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 23.61%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 221371123
- Latest call report
- Q2 2026, FFIEC 051 · The North Country Savings Bank call report
- Asset rank in state
- 77th of 105 in New York
The North Country Savings Bank earns an unusually wide margin on its lending. Based in Canton, New York, it had $373 million in assets at June 30, 2026, up 7.4% from a year earlier. It keeps 5.17 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 25% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.82% of loans from 0.64% a year earlier.
As of June 30, 2026, The North Country Savings Bank reported a CET1 capital ratio of 23.61%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.82% and a Texas ratio of 5.20%. The figures come from its call report filed with the FFIEC.
The North Country Savings Bank ranks as the 77th largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $373.5M, loans rose 1.2% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 93.8% of total loans, followed by construction and land development loans at 3.2%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in NY; its Canton office books 38% of its branch deposits. Judged on its Q2 2026 call report, The North Country Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 127 Main St, Canton, NY 13617
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 9, 1909
- Former names
- The North Country Savings Bank (1972)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $296.6M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $367.6M
- Average total loans
- $313.5M
- Average interest-bearing deposits
- $216.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 16030
- Fed RSSD
- 166111
- Website
- northcountrysavings.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The North Country Savings Bank's total assets ranged from $314.5M (Q3 2023) to $373.5M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$373.5M total assets against $347.8M; $323.0M total liabilities against $302.7M.
$314.4M net loans and leases against $294.9M; $296.6M total deposits against $283.0M.
$2.8M securities against $3.1M; $20.0M cash and balances due against $17.2M.
$5.4M total interest income against $5.1M; $1.1M total interest expense against $1.2M.
$4.3M net interest income against $3.9M.
$723K total noninterest income against $714K; $3.3M total noninterest expense against $3.1M.
$65K provision for credit losses against $42K.
$1.3M net income against $1.2M.
1.39% return on assets against 1.42%; 5.17% net interest margin against 5.11%.
23.61% CET1 capital ratio against 22.95%; 14.53% tier 1 leverage ratio against 14.44%.
Inside the full The North Country Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The North Country Savings Bank rankings
Its closest position to the top of a national ranking is 197 of 2,134, for CET1 ratio; its furthest is 2,456 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q4 2024) to 1.42% (Q2 2025) and its net interest margin ran from 4.89% (Q3 2024) to 5.18% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.61% | 1.39% | 0.82% | 5.20% | 5.17% |
| Q1 2026 | 23.54% | 1.23% | 0.81% | 5.09% | 5.11% |
| Q4 2025 | 23.08% | 0.88% | 0.69% | 4.58% | 5.09% |
| Q3 2025 | 22.99% | 1.13% | 0.62% | 4.12% | 5.18% |
| Q2 2025 | 22.95% | 1.42% | 0.64% | 4.22% | 5.11% |
| Q1 2025 | 22.91% | 1.14% | 0.50% | 3.37% | 4.93% |
| Q4 2024 | 22.51% | 0.79% | 0.50% | 3.60% | 4.92% |
| Q3 2024 | 22.36% | 1.04% | 0.41% | 2.97% | 4.89% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The North Country Savings Bank | Canton , NY | 13617 | $113.3M |
| Potsdam Branch | Potsdam , NY | 13676 | $74.6M |
| Greene and Caroline Streets Branch | Ogdensburg , NY | 13669 | $63.1M |
| Massena Branch | Massena , NY | 13662 | $33.2M |
| Malone Branch | Malone , NY | 12953 | $9.0M |
| North Country Savings Bank Plattsburgh Branch | Plattsburgh , NY | 12901 | $1.5M |
| North Country Savings Bank Saranac Lake Branch | Saranac Lake , NY | 12983 | $1.3M |
| North Country Savings Bank Tupper Lake Branch | Tupper Lake , NY | 12986 | $741K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1999 | Structure Change | Acquired Canton Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 117 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The North Country Savings Bank
What are The North Country Savings Bank's total assets?
As of the Q2 2026 filing, The North Country Savings Bank reported total assets of $373.5 million in its FFIEC call report.
Where is The North Country Savings Bank headquartered?
It is headquartered in Canton, NY, United States.
When was The North Country Savings Bank founded?
It was established in 1909, per the FDIC institution directory.
Is The North Country Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #16030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The North Country Savings Bank?
The North Country Savings Bank's primary federal regulator is the FDIC.
What is The North Country Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The North Country Savings Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The North Country Savings Bank's Texas Ratio?
Its Texas Ratio is 5.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The North Country Savings Bank previously called?
The charter now named The North Country Savings Bank has also operated as The North Country Savings Bank (1972), per FDIC structure-change records.
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