Bank call report · Canton, NY
The North Country Savings Bank Call Report
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The North Country Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 254 reported line items, schedule by schedule (787 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 166111 |
| FDIC certificate number | 16030 |
| Total assets | $373.5M |
Official Q2 2026 call report PDF (FFIEC) →
The North Country Savings Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · The North Country Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $373.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $373.5M |
| Total Liabilities and Minority Interest | RCON2948 | $323.0M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $315.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $314.4M |
| Total Deposits | RCON2200 | $296.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $257.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $53.4M |
| Total Equity Capital | RCON3210 | $50.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $50.5M |
| Deposits: Noninterest-bearing | RCON6631 | $38.9M |
| Other Assets | RCON2160 | $29.5M |
| Other Borrowed Money | RCON3190 | $20.2M |
| Interest-bearing Balances | RCON0071 | $15.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.7M |
| Other Liabilities, Total | RCON2930 | $6.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $2.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.4M |
| Federal Funds Sold | RCONB987 | $100K |
| Other Real Estate Owned | RCON2150 | $96K |
Schedule RI: Income Statement (36 items)
About Schedule RI · The North Country Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $10.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $9.8M |
| Net Interest Income | RIAD4074 | $8.5M |
| Total Noninterest Expense | RIAD4093 | $6.7M |
| Salaries and Employee Benefits | RIAD4135 | $3.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.0M |
| Other Noninterest Expense | RIAD4092 | $2.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.4M |
| Net Income (Loss) | RIAD4340 | $2.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.4M |
| Total Interest Expense | RIAD4073 | $2.4M |
| Total Noninterest Income | RIAD4079 | $1.5M |
| Other Noninterest Income | RIADB497 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $955K |
| Applicable Income Taxes | RIAD4302 | $652K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $452K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $395K |
| Other Interest Expense | RIADGW44 | $356K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $252K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $235K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $221K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $186K |
| Provision for Loan and Lease Losses | RIAD4230 | $158K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $158K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$67K |
| Other Interest Income | RIAD4518 | $54K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $46K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $43K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$24K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $11K |
| Noninterest income: Income from insurance activities | RIADHT74 | $5K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 76 |
Schedule RC-B: Securities (6 items)
About Schedule RC-B · The North Country Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $3.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $3.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $2.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $896K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $577K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · The North Country Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $315.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $277.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $258.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $141.7M |
| Pledged Loans and Leases | RCONG378 | $136.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $39.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $38.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $33.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $15.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $12.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $11.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $9.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $8.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $6.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $3.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.3M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $724K |
| Commercial and Industrial Loans | RCON1766 | $312K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $211K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $95K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $95K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $62K |
| Other Loans | RCONJ464 | $51K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $44K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (2 items)
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · The North Country Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $193.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $193.1M |
| Total Transaction Accounts | RCON2215 | $103.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $103.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $78.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $68.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $50.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $49.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $38.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $35.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $29.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $27.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $11.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $9.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $6.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $6.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.0M |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · The North Country Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $367.6M |
| Quarterly Average of Total Loans | RCON3360 | $313.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $293.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $92.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $87.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $25.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $16.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $13.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $13.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $12.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.6M |
| Mortgage-backed Securities | RCONB559 | $3.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $334K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $99K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · The North Country Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $10.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $8.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $6.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $511K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $35K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · The North Country Savings Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $20.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $20.2M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $96K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · The North Country Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $3.7M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.4M |
| Additions to Nonaccrual Assets | RCONC410 | $1.5M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $133K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $131K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $99K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $37K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $37K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $34K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $23K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $21K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $9K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The North Country Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $367.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $296.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $247.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $53.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $38.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $10.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $954K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 20,350 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 546 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 98 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The North Country Savings Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $226.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The North Country Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $367.6M |
| Average total consolidated assets | RCOAKW03 | $367.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $226.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $54.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $53.4M |
| Retained Earnings | RCOAKW00 | $53.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $53.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $53.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $50.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.9M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$2.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$162K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2423 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2361 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2361 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1623 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1453 |
Schedule RC-R, Part II: Risk-Weighted Assets (43 items)
About Schedule RC-R, Part II · The North Country Savings Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $296.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $275.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $275.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $275.2M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $226.1M |
| Total Risk-weighted Assets | RCONG641 | $226.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $137.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $87.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $87.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $78.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $37.7M |
| Total All Other Assets | RCOND981 | $36.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $21.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $19.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $19.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $19.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $17.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $17.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $17.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $15.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $7.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $7.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $6.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $6.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $5.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $5.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $3.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $2.8M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | -$2.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$205K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $100K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $100K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $35K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $23K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $23K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $23K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $23K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $50.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $48.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $48.1M |
| Other Comprehensive Income | RIADB511 | -$23K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · The North Country Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $67K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $39K |
| Charge-offs on All Other Loans | RIAD4644 | $16K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $12K |
| Recoveries on All Other Loans | RIAD4628 | $1K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The North Country Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $67K |
The North Country Savings Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The North Country Savings Bank call report?
The The North Country Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The North Country Savings Bank file?
The North Country Savings Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The North Country Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The North Country Savings Bank has Federal Reserve RSSD ID 166111 and FDIC certificate number 16030. Either one finds its filings on the FFIEC Central Data Repository.
How often does The North Country Savings Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The North Country Savings Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 16030) · FFIEC NIC profile (RSSD 166111)