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The North Country Savings Bank

IDRSSD: 166111
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ -11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #166111 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.9% (threshold 100%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.41% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -19
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -19
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 105.9%, cash 4.4% of assets.

Cash / Assets
4.37%
Loans / Deposits
105.89%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.95%, CET1 21.95%, leverage 14.02%.

Tier 1 RBC
21.95%
CET1
21.95%
Leverage
14.02%
No watch items at this period.

Asset Quality

StrongQoQ -5
95
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 1.7%, NCO YTD 0.11%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.11%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
54
Sub-score

Reserves are deteriorating: ALLL 0.41% of loans, coverage 143.2%, true coverage 111.9%.

ALLL / Loans
0.41%
Coverage
143.2%
True Loss Coverage
111.9%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.41% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 01:36:19 UTC