B
North Country Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
Weiss Ratings North Country Ins Co
Watertown, NY
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Rating B
Capitalization Index 10.00
Investment Safety Index --
Liquidity Index 8.50
Profitability Index 8.30
Reserve Adequacy Index 8.20
Stability Index 5.20
Company Info North Country Ins Co
Watertown, NY
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Industry P&C
NAIC Number 43869
Phone Number --
Website www.ncins.com
Address 21170 NYS Route 232 Watertown, NY 13601
Balance Sheet North Country Ins Co
Watertown, NY
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Total Assets 44.34M
Capital and Reserves North Country Ins Co
Watertown, NY
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Risk-Adjusted Capital Ratio #1 5.79
Risk-Adjusted Capital Ratio #2 3.95
1-Year Reserve Development 20.00%
2-Year Reserve Development -250.00%
Capital 33.18M
Premium to Surplus 30.00%
Reserves to Surplus 10.00%
Investments North Country Ins Co
Watertown, NY
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 3.10%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios North Country Ins Co
Watertown, NY
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Medical Loss Ratio --
Cash From Underwriting 120.00%
Combined Ratio 90.00%
Expense Ratio 40.00%
Loss Ratio 47.60%
Net Premium Growth 0.00%
Other Medical North Country Ins Co
Watertown, NY
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability North Country Ins Co
Watertown, NY
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Net Income 675.14K
Net Premium 3.73M
Health Premium --