FDIC Cert #16030 · Canton, New York · Est. 1909

The North Country Savings Bank - FDIC Bank Health Profile

A community-scale look at The North Country Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$366M
Total assets
A
Health grade · Excellent
1.13%
Return on assets
23.1%
Tier 1 capital

Data updated July 2026

The verdict

The North Country Savings Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 23.08% Tier 1, profitable at 1.13% ROA, 72% efficiency ratio.

#2,212
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
23.08%
Tier 1 ratio - above the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 16030 · NY A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1450/4307
  • PHOTO-FINISH The Four County Bank · GA
  • TIER1-WELL 23.1% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: The Four County Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The North Country Savings Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Lake Village · AR · …84/100MCBank · TX · near84/100Peoples Bank · IA · near84/100The Four County Bank · GA · …84/100The North Country Sa… · NY ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The North Country Savings Bank · July 2026

What The North Country Savings Bank's Call Report plate shows

The North Country Savings Bank (FDIC Cert #16030) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,450 of 4,307. Tier 1 capital prints at 23.08%, clearing the 10% well-capitalized line. The Texas Ratio is 4.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $366M, 2,212th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Four County Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The North Country Savings Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

The North Country Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The North Country Savings Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How The North Country Savings Bank's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
The North Country Savings Bank's composite health score
Tier 1 Capital Ratio (23.08%) 40/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (4.34%) 20/20
Efficiency Ratio (71.95%) 4/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$366M

Total balance-sheet footings

Total Deposits

$289M

Customer-funded liabilities

Net Loans

$308M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.68% 23.08% 24.48%
Basel III capital ratios - The North Country Savings Bank

Where The North Country Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The North Country Savings Bank's score of 84/100 falls in the highlighted band.

The North Country Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 34% higher than 66% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The North Country Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The North Country Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The North Country Savings Bank's $366M falls in the highlighted band.

Safety ratios for The North Country Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

23.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
23.08%
Texas Ratio
4.34%
Equity Capital
$48M

What these ratios mean →

Earnings posture at The North Country Savings Bank

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
8.73%
Efficiency Ratio
71.95%

What these mean →

Income & expense at The North Country Savings Bank

$21M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The North Country Savings Bank reports a Texas Ratio of 4.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The North Country Savings Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($366M here), outside New York so the neighborhood is not state containment.

First National Bank of Griffin $366M · GA The Riddell National Bank $366M · IN Rabun County Bank $366M · GA The Farmers Bank of Appomattox $366M · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The North Country Savings Bank (FDIC Cert #16030) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The North Country Savings Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%