The North Country Savings Bank
Canton, NY
IDRSSD: 166111
Total Assets
$353.09M
Latest filing
Total Deposits
$281.19M
Latest filing
Net Interest Margin
5.22%
Profitability
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Community Bank, National Association
Canton, New York
→
Assets: $16.41BΔ +4617.3%
Cattaraugus County Bank
Little Valley, New York
→
Assets: $365.17MΔ +5.0%
Abacus Federal Savings Bank
New York, New York
→
Assets: $327.89MΔ -5.7%
The Delaware National Bank of Delhi
Delhi, New York
→
Assets: $372.33MΔ +7.1%
Generations Bank
Seneca Falls, New York
→
Assets: $372.97MΔ +7.2%
Carthage Savings and Loan, National Association
Carthage, New York
→
Assets: $306.86MΔ -11.8%
Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 05/09/1909 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 13617 |
| State and County Number | 36089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ogdensburg-Massena, NY |
Operational Info
| Number of Employees | 73 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1943 |
| Primary Insurance Agency | DIF |
| Website | northcountrysavings.bank |
| Data Updated | 11/14/2025 |
| CERT | 16030 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $353.09M |
| Total Deposits | $281.19M |
| Total Liabilities | $307.03M |
| Total Equity Capital | $46.06M |
| Net Income | $987.00k |
| Net Loans and Leases | $303.31M |
| Assets Per Employee ($Millions) | $4.84M |
| Bank Premises and Fixed Assets | $6.61M |
| Cash and Balances due from Depository Institutions | $12.85M |
| Deposits Held in Domestic Offices | $281.19M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 8.67% |
| Net Interest Margin | 5.22% |
| Efficiency Ratio | 73.05% |
| Tier 1 Risk-Based Capital Ratio | 22.992% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.045% |
| Earning Assets to total Assets | 89.54% |
Income and Expense
| Total Interest Income | $5.28M |
| Total Noninterest Income | $718.00k |
| Total Interest Expense | $1.18M |
| Total Noninterest Expense | $3.52M |
| Net Interest Income | $4.10M |
| Pre-tax Net Operating Income | $1.26M |
| Provision for Credit Losses | $42.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $63.00k |
| Other borrowed funds | $20.63M |
| Federal Funds Sold & Reverse Repurchase Agreement | $100.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.21M |
| Total Liabilities and Capital | $353.09M |
Securities
| Securities | $3.01M |
| Available-for-sale debt securities | $3.01M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The North Country Savings Bank?
$353.09M as of the latest filing.
How much are The North Country Savings Bank's total deposits?
$281.19M in total deposits.
Where is The North Country Savings Bank located?
Canton, NY.
What is the Net Interest Margin?
5.22%.
How many domestic offices does it operate?
8.
When was it established?
05/09/1909.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$303.31M (latest filing).
What is the total interest income (latest filing)?
$5.28M.