Side-by-side · Q2 2026 data
Community Bank, National Association vs The North Country Savings Bank
Metric by metric
| Measure | Community Bank, National Association | The North Country Savings Bank |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 29 | 95 (stronger) |
| Loan quality | 83 (stronger) | 73 |
| Earnings | 68 | 72 (stronger) |
| Funding & liquidity | 66 (stronger) | 54 |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 35th | 72nd |
| Total assets | $17.4B | $373.5M |
| Deposits / shares | $14.9B | $296.6M |
| Capital ratio | 7.86% | 14.53% (stronger) |
| Problem loans | 0.50% (stronger) | 0.82% |
| Net charge-offs | 0.11% | 0.04% (stronger) |
| Return on assets | 1.19% | 1.30% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 106.0% |
| Uninsured deposits | 31.5% | 4.6% (stronger) |
| Offices | 198 | 8 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 7.1 | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
The North Country Savings Bank has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community Bank, National Association leads on 2 and The North Country Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Plattsburgh, NY
- Malone, NY
- Massena, NY
- Ogdensburg, NY
- Potsdam, NY
- Saranac Lake, NY
- Canton, NY
- Tupper Lake, NY