Side-by-side · Q2 2026 data
The North Country Savings Bank vs Carthage Savings and Loan, National Association
Bank
Carthage Savings and Loan, National Association
Carthage, New York · $100 million – $1 billion
Metric by metric
| Measure | The North Country Savings Bank | Carthage Savings and Loan, National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 95 (stronger) | 79 |
| Loan quality | 73 | 89 (stronger) |
| Earnings | 72 (stronger) | 58 |
| Funding & liquidity | 54 | 66 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 72nd | 68th |
| Total assets | $373.5M | $312.1M |
| Deposits / shares | $296.6M | $257.4M |
| Capital ratio | 14.53% (stronger) | 12.86% |
| Problem loans | 0.82% | 0.32% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.30% (stronger) | 0.96% |
| Loans ÷ deposits | 106.0% | 91.6% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 17.4% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.6% |
The North Country Savings Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 4 and Carthage Savings and Loan, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.