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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #166111 2025-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.42% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.2% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +3
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 104.2%, cash 4.9% of assets.

Cash / Assets
4.92%
Loans / Deposits
104.20%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.2% (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 22.95%, CET1 22.95%, leverage 14.44%.

Tier 1 RBC
22.95%
CET1
22.95%
Leverage
14.44%
No watch items at this period.

Asset Quality

StrongQoQ -3
91
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 3.7%, NCO YTD 0.03%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.03%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -11
17
Sub-score

Reserves are weak: ALLL 0.42% of loans, coverage 65.6%, true coverage 59.2%.

ALLL / Loans
0.42%
Coverage
65.6%
True Loss Coverage
59.2%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.42% 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