Side-by-side · Q2 2026 data
The North Country Savings Bank vs Massena Savings and Loan
Metric by metric
| Measure | The North Country Savings Bank | Massena Savings and Loan |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 73 (stronger) | 57 |
| Earnings | 72 (stronger) | 63 |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 90 (stronger) | 83 |
| Peer percentile | 72nd | 53rd |
| Total assets | $373.5M | $199.9M |
| Deposits / shares | $296.6M | $148.2M |
| Capital ratio | 14.53% | 15.15% (stronger) |
| Problem loans | 0.82% (stronger) | 1.30% |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 1.30% (stronger) | 1.09% |
| Loans ÷ deposits | 106.0% (stronger) | 121.7% |
| Uninsured deposits | 4.6% (stronger) | 12.8% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The North Country Savings Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 6 and Massena Savings and Loan on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Massena, NY