Headquartered in Canton, New York, The North Country Savings Bank is a si with $373.5M in total assets and $296.6M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1909.
Based on its Q2 2026 filing, The North Country Savings Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 18th. Its strongest component is capital cushion (95/100; 14.53%), and its lowest is funding & liquidity (54/100; 106% loans-to-deposits, 5% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 76 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.01% |
| Q3 2024 | 14.17% |
| Q4 2024 | 14.10% |
| Q1 2025 | 14.16% |
| Q2 2025 | 14.44% |
| Q3 2025 | 14.38% |
| Q4 2025 | 14.33% |
| Q1 2026 | 14.36% |
| Q2 2026 | 14.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.82% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $373.5M | 14.53% | 0.82% | 1.30% | 106.0% |
| Q1 2026 | 77 | $366.0M | 14.36% | 0.81% | 1.22% | 106.4% |
| Q4 2025 | 77 | $366.0M | 14.33% | 0.69% | 1.13% | 106.8% |
| Q3 2025 | 79 | $353.1M | 14.38% | 0.62% | 1.22% | 107.9% |
| Q2 2025 | 80 | $347.8M | 14.44% | 0.64% | 1.27% | 104.2% |
| Q1 2025 | 79 | $341.2M | 14.16% | 0.50% | 1.13% | 106.9% |
| Q4 2024 | 76 | $339.1M | 14.10% | 0.50% | 0.93% | 111.2% |
| Q3 2024 | 78 | $333.8M | 14.17% | 0.41% | 0.97% | 111.4% |
| Q2 2024 | 79 | $326.6M | 14.01% | 0.30% | 0.95% | 107.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Delaware National Bank of DelhiBank Delhi, NY | 63 out of 100, Moderate | $384.1M | 9.6% | 0.60% | vs |
| Cattaraugus County BankBank Little Valley, NY | 61 out of 100, Moderate | $384.7M | 11.3% | 1.73% | vs |
| Abacus Federal Savings BankBank New York, NY | 76 out of 100, Strong | $320.7M | 16.3% | 0.47% | vs |
| Seneca Savings Bank, National AssociationBank Baldwinsville, NY | 51 out of 100, Below average | $312.5M | 9.8% | 1.12% | vs |
| Carthage Savings and Loan, National AssociationBank Carthage, NY | 77 out of 100, Strong | $312.1M | 12.9% | 0.32% | vs |
| Bank of MillbrookBank Millbrook, NY | 73 out of 100, Strong | $311.7M | 12.1% | 1.76% | vs |
Deposit insurance
Is my money safe at The North Country Savings Bank?
Yes. The North Country Savings Bank is an FDIC-insured institution (FDIC certificate #16030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.6% of deposits ($13.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.23% (benchmark: 10%).
8 locations
Branches
The North Country Savings Bank lists 8 offices in 8 cities. Most locations:
- Canton, NY (1)
- Malone, NY (1)
- Massena, NY (1)
- Ogdensburg, NY (1)
- Plattsburgh, NY (1)
- Potsdam, NY (1)
- Saranac Lake, NY (1)
- Tupper Lake, NY (1)
Identity & history
Profile
- Legal name
- The North Country Savings Bank
- Type
- SI
- FDIC certificate #
- 16030
- RSSD ID
- 166111
- Primary regulator
- FDIC
- Established
- May 9, 1909
- Headquarters
- 127 Main St, Canton, NY 13617
- Website
- northcountrysavings.bank
- Employees
- 76
Quick answers
The North Country Savings Bank: common questions
Is The North Country Savings Bank FDIC insured?
Yes. The North Country Savings Bank is an FDIC-insured institution (FDIC certificate #16030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The North Country Savings Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The North Country Savings Bank ever failed?
There is no failure record for FDIC certificate #16030 in the FDIC failed bank list.
How many branches does The North Country Savings Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Canton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| GS&L Municipal BankBank Gouverneur, NY | 92 out of 100, Very strong | $31.6M | 44.5% | 0.00% | vs |
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| Ed-Med Federal Credit UnionCredit union Ogdensburg, NY | 76 out of 100, Strong | $34.7M | 12.5% | 1.08% | vs |
| Gouverneur Savings and Loan AssociationBank Gouverneur, NY | 74 out of 100, Strong | $198.9M | 14.5% | 1.00% | vs |
| Massena Savings and LoanBank Massena, NY | 73 out of 100, Strong | $199.9M | 15.1% | 1.30% | vs |
| Saint Lawrence Federal Credit UnionCredit union Ogdensburg, NY | 72 out of 100, Strong | $272.3M | 11.5% | 0.54% | vs |