What is The North Country Savings Bank's financial health grade?

The North Country Savings Bank has a TFS Financial Health Grade of C+ (score: 77.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The North Country Savings Bank have?

The North Country Savings Bank has 8 branch locations across the United States.

Is The North Country Savings Bank FDIC insured?

Yes, The North Country Savings Bank is FDIC insured (Certificate #16030).

What are the total assets of The North Country Savings Bank?

The North Country Savings Bank has total assets of $366.0M as reported in its most recent FDIC filing.

The North Country Savings Bank

BankCanton, New York

northcountrysavings.bank

Total Assets

$366.0M

Total Deposits

$288.9M

Branches

Established

1909

TFS Health Grade

C+

77.7 / 100

Average financial health

How we grade

The North Country Savings Bank is a bank headquartered in Canton, New York, established in 1909. With $366.0M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (77.7/100).

Capital & Safety

Tier 1 Capital Ratio

14.33%(8%)

Total Capital Ratio

23.67%(10%)

Non-Performing Loan Ratio

0.69%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

8.73%(10%)

Net Interest Margin

5.09%

Efficiency Ratio

71.95%(60%)

Lending & Liquidity

Total Loans

$309.7M

Loan-to-Deposit Ratio

106.78%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+7.92%

Deposit Growth (YoY)

+10.44%

Net Income

$3.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The North Country Savings BankHQ	127 Main St	Canton	NY	11
The North Country Savings Bank	217 West Main Street	Malone	NY	11
The North Country Savings Bank	22 Phillips St	Massena	NY	11
The North Country Savings Bank	401 Caroline St	Ogdensburg	NY	11
The North Country Savings Bank	1 Broad Street	Plattsburgh	NY	11
The North Country Savings Bank	31 Main St	Potsdam	NY	11
The North Country Savings Bank	68 Main Street	Saranac Lake	NY	11
The North Country Savings Bank	91 Park Street	Tupper Lake	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.