The North Country Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The North Country Savings Bank of Canton, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.35% | +0.04% | 57th above |
| ROAE | 10.26% | 12.05% | -1.79% | 38th below |
| Net Interest Margin | 5.17% | 3.90% | +1.27% | 94th top |
| Efficiency Ratio | 66.13% | 63.15% | +2.98% | 37th below |
| PPNR / Avg Assets | 1.85% | 1.64% | +0.21% | 65th above |
| Yield on Earning Assets | 6.56% | 5.65% | +0.91% | 88th top |
| Cost of Funds | 1.69% | 1.85% | -0.16% | 57th above |
| Net Interest Spread | 4.89% | 3.35% | +1.54% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.84% | 0.92% | -0.08% | 32nd below |
| NPA / Total Assets | 0.74% | 0.67% | +0.07% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 24th bottom |
| ACL / Total Loans | 0.44% | 1.28% | -0.84% | 2nd bottom |
| ACL / NPLs (Coverage) | 52.20% | 1645.82% | -1593.62% | 12th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.39% | 7.15% | -1.76% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 239.39% | 1189.78% | -950.39% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.61% | 20.83% | +2.78% | 86th top |
| Tier 1 Ratio | 23.61% | 20.86% | +2.75% | 86th top |
| Total Capital Ratio | 24.23% | 21.93% | +2.30% | 85th top |
| Leverage Ratio | 14.53% | 12.46% | +2.07% | 84th top |
| Equity / Assets | 13.52% | 11.67% | +1.85% | 82nd top |
| TCE / Tangible Assets | 13.52% | 11.40% | +2.12% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.48% | 78.63% | +27.85% | 6th bottom |
| Core Deposit Ratio | 96.17% | 87.09% | +9.08% | 89th top |
| Wholesale Funding Ratio | 5.41% | 5.11% | +0.30% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.39% | 6.47% | +0.92% | 71st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.65% | 7.64% | -0.99% | 58th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.02% | -1.22% | 56th above |
See The North Country Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The North Country Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The North Country Savings Bank profile, how to read a UBPR, or how this data updates.