The North Country Savings Bank
Canton, NY
IDRSSD: 166111
Total Assets
$365.98M
Latest filing
Total Deposits
$288.86M
Latest filing
Net Interest Margin
5.10%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221371123CANTON, NY
Key People
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Locations
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Main Office
The North Country Savings Bank
127 Main St
Canton, NY 13617
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/09/1909FDIC Certificate 10259
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The North Country Savings Bank (Main) | 127 Main St | Canton, NY |
| MASSENA BRANCH | 22 Phillips St | Massena, NY |
| POTSDAM BRANCH | 31 Main St | Potsdam, NY |
| GREENE AND CAROLINE STREETS BRANCH | 401 Caroline St | Ogdensburg, NY |
| MALONE BRANCH | 217 West Main Street | Malone, NY |
| NORTH COUNTRY SAVINGS BANK PLATTSBURGH BRANCH | 1 Broad Street | Plattsburgh, NY |
| NORTH COUNTRY SAVINGS BANK TUPPER LAKE BRANCH | 91 Park Street | Tupper Lake, NY |
| NORTH COUNTRY SAVINGS BANK SARANAC LAKE BRANCH | 68 Main Street | Saranac Lake, NY |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 01/30/2026 |
| CERT | 16030 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $365.98M |
| Total Deposits | $288.86M |
| Total Liabilities | $317.83M |
| Total Equity Capital | $48.14M |
| Net Income | $780.00k |
| Net Loans and Leases | $308.45M |
| Assets Per Employee ($Millions) | $5.15M |
| Bank Premises and Fixed Assets | $6.87M |
| Cash and Balances due from Depository Institutions | $18.73M |
| Deposits Held in Domestic Offices | $288.86M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 6.62% |
| Net Interest Margin | 5.1% |
| Efficiency Ratio | 78.07% |
| Tier 1 Risk-Based Capital Ratio | 23.085% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.154% |
| Earning Assets to total Assets | 89.27% |
Income and Expense
| Total Interest Income | $5.37M |
| Total Noninterest Income | $718.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $3.76M |
| Net Interest Income | $4.10M |
| Pre-tax Net Operating Income | $998.00k |
| Provision for Credit Losses | $59.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $118.00k |
| Other borrowed funds | $23.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $100.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.87M |
| Total Liabilities and Capital | $365.98M |
Securities
| Securities | $2.94M |
| Available-for-sale debt securities | $2.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$365.98M as of the latest filing.
How much are The North Country Savings Bank's total deposits?
$288.86M in total deposits.
Where is The North Country Savings Bank located?
Canton, NY.
What is the Net Interest Margin?
5.10%.
How many domestic offices does it operate?
8.
When was it established?
05/09/1909.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$308.45M (latest filing).
What is the total interest income (latest filing)?
$5.37M.