The North Country Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.84 percentage points lower than in Q1 2026, at 52.20%. Within New York, The North Country Savings Bank is 25th of 105 on return on assets, 1.39% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The North Country Savings Bank sits 0.15 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.61% |
| Tier 1 risk-based capital ratio | 23.61% |
| Total risk-based capital ratio | 24.23% |
| Tier 1 leverage ratio | 14.53% |
| Equity capital to assets | 13.52% |
| Tangible equity to tangible assets | 13.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.74% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 5.39% |
| Allowance for credit losses to loans | 0.44% |
| Reserve coverage of non-performing loans | 52.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 10.26% |
| Net interest margin | 5.17% |
| Efficiency ratio | 66.13% |
| Yield on earning assets | 6.56% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.48% |
| Core deposits to total deposits | 96.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.41% |
| Securities to assets | 0.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.58% | 23.58% | 24.08% | 14.81% | 0.14% |
| Q4 2023 | 21.95% | 21.95% | 22.45% | 14.01% | -1.92% |
| Q1 2024 | 22.05% | 22.05% | 22.60% | 13.74% | 0.82% |
| Q2 2024 | 22.56% | 22.56% | 23.11% | 14.01% | 1.09% |
| Q3 2024 | 22.36% | 22.36% | 22.90% | 14.17% | 1.04% |
| Q4 2024 | 22.51% | 22.51% | 23.05% | 14.10% | 0.79% |
| Q1 2025 | 22.91% | 22.91% | 23.49% | 14.16% | 1.14% |
| Q2 2025 | 22.95% | 22.95% | 23.53% | 14.44% | 1.42% |
| Q3 2025 | 22.99% | 22.99% | 23.58% | 14.38% | 1.13% |
| Q4 2025 | 23.08% | 23.08% | 23.67% | 14.33% | 0.88% |
| Q1 2026 | 23.54% | 23.54% | 24.16% | 14.36% | 1.23% |
| Q2 2026 | 23.61% | 23.61% | 24.23% | 14.53% | 1.39% |
The North Country Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Country Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The North Country Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16030) · FFIEC NIC profile (RSSD 166111)