C
The North Country Savings Bank
CantonNY
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The North Country Savings Bank
Canton, NY
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Rating C
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 0.40
Profitability Index 5.70
Stability Index 3.70
Company Info The North Country Savings Bank
Canton, NY
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FDIC Number 16030
Phone Number (315) 386-4533
Website www.northcountrysavings.bank
Asset Quality The North Country Savings Bank
Canton, NY
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1-Year Asset Growth 5.77%
5-Year Asset Growth 5.48%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 3.66%
Non-Performing Loans to Loans 0.66%
Balance Sheet The North Country Savings Bank
Canton, NY
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Total Assets 353.09M
Total Deposits 281.19M
Capital and Reserves The North Country Savings Bank
Canton, NY
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Capital 46.06M
Leverage Ratio 14.38
Loan Loss Reserves to Loans 0.42%
Risk-Based Capital Ratio 23.58
Liquidity The North Country Savings Bank
Canton, NY
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Hot Money Ratio 16.56%
Liquidity Ratio 5.20%
Profitability The North Country Savings Bank
Canton, NY
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5-Year Return on Average Assets 0.36%
Net Income 3.17M
Net Interest Spread 5.07%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 69.84%
Return on Assets 1.23%
Return on Equity 9.50%