Side-by-side · Q2 2026 data
The Upstate National Bank vs The North Country Savings Bank
Metric by metric
| Measure | The Upstate National Bank | The North Country Savings Bank |
|---|---|---|
| TellerScore | 63 | 78 (stronger) |
| Capital cushion | 52 | 95 (stronger) |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 23 | 72 (stronger) |
| Funding & liquidity | 50 | 54 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 24th | 72nd |
| Total assets | $294.8M | $373.5M |
| Deposits / shares | $208.8M | $296.6M |
| Capital ratio | 10.19% | 14.53% (stronger) |
| Problem loans | 0.00% (stronger) | 0.82% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 0.07% | 1.30% (stronger) |
| Loans ÷ deposits | 110.3% | 106.0% (stronger) |
| Uninsured deposits | 10.2% | 4.6% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The North Country Savings Bank has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 2 and The North Country Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.