BlastPoint's Banking Scorecard
The North Country Savings Bank
Micro
Specialty: Mortgage
NY
FDIC cert 16030
Designations: ✓ Community bank ✓ Mutual
Canton, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The North Country Savings Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.24% above tier
- + Tier 1 Capital Ratio 14.23% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.25% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$366.0M
+7.9% YoY
+3.6% QoQ
|
+$148.5M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$308.4M
+6.0% YoY
+1.7% QoQ
|
+$169.3M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$288.9M
+10.4% YoY
+2.7% QoQ
|
+$105.2M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.13%
+21.9% YoY
-7.6% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
5.09%
+5.8% YoY
-0.1% QoQ
|
+1.24% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
71.95%
-4.9% YoY
+3.0% QoQ
|
+4.22% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.70%
+37.3% YoY
+11.9% QoQ
|
+0.06% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
106.78%
-4.0% YoY
-1.0% QoQ
|
+32.25% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.64%
-0.7% YoY
-4.2% QoQ
|
-8.75% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.62%
+32.6% YoY
+12.1% QoQ
|
+0.17% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
23.08%
+2.6% YoY
+0.4% QoQ
|
+14.23% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.78%
-4.6% YoY
+28.8% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.09%
(Tier avg: 3.85%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.08%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
106.78%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $308.4M · Tier avg: $139.2M
92
92th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.85%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.08% · Tier avg: 8.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
83
83th pctile
Total Assets
Current: $366.0M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $288.9M · Tier avg: $183.7M
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
38
38th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
35
35th pctile
Efficiency Ratio
Current: 71.95% · Tier avg: 67.73%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.64% · Tier avg: 22.39%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.78% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.78% · Tier avg: 74.53%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.64% · Tier avg: 22.39%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
35
35th pctile
Efficiency Ratio
Current: 71.95% · Tier avg: 67.73%
38
38th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
79
79th pctile
Total Deposits
Current: $288.9M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $366.0M · Tier avg: $217.5M
87
87th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.08% · Tier avg: 8.85%
92
92th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.85%
93
93th pctile
Total Loans
Current: $308.4M · Tier avg: $139.2M