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The North Country Savings Bank
Canton, NY · FDIC Certificate #16030 · Chartered 05/0
Total assets
$373.48M
Total deposits
$296.57M
Total equity
$50.51M
Net loans
$314.40M
Branches (offices)
8
Net income (YTD)
$2.40M
Rank: #2,164 of 4,213 U.S. banks by assets · #84 of 115 in New York. Assets changed 7.4% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 9.72% |
| Net interest margin (YTD) | 5.15% |
| Equity to assets | 13.52% |
| Tier 1 leverage ratio | 14.53% |
| Uninsured deposits (share of deposits) | 4.6% |
| Noncurrent loans (share of loans) | 0.82% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 106.0% |
| Real estate loans (share of loans) | 98.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $309.90M | 98.6% | |
| Commercial & industrial | $312.00K | 0.1% | |
| Consumer / individual | $5.53M | 1.8% | |
| Construction & development | $10.23M | 3.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $316.54M | $259.83M | $781.00K | $40.35M |
| Jun 2023 | $309.89M | $252.98M | $730.00K | $37.69M |
| Jun 2024 | $326.63M | $259.79M | $1.55M | $40.55M |
| Jun 2025 | $347.78M | $282.99M | $2.18M | $45.04M |
| Jun 2026 | $373.48M | $296.57M | $2.40M | $50.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $296.57M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $296.57M.
Similar-sized banks
Golden Belt Bank, Fsa ($373.54M) · Piscataqua Savings Bank ($373.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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