# NORTH COUNTRY SAVINGS BANK
CANTON, NY · FDIC certificate 16030 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $373.5M | |
| Deposits | $296.6M | |
| Loans and leases | $315.8M | |
| Total equity | $50.5M | |
| Loans / deposits | 106.01% (p95 of band) | 82.04% |
| Liquid assets / assets | 6.11% (p1 of band) | |
| Uninsured deposits / deposits | 4.60% (p1 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.41% (p59 of band) | |
| FHLB advances / assets | 5.41% | |
| Tier 1 leverage | 14.53% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -0.41% (p92 of band) | -8.10% |
| AOCI / equity | -0.05% (p71 of band) | |
| ROA (annualized) | 1.30% (p52 of band) | 1.28% |
| Net interest margin | 5.15% (p95 of band) | 3.91% |
| Efficiency ratio | 67.69% (p68 of band) | |
| Noncurrent loans | 0.82% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 53.36% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 20.25% (p25 of band) | |
| Auto loans | $1.7M (0.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 2 |  | liquid assets <10% |
| 2011-09 | 3 | liquid assets <10% |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | liquid assets <10% |
| 2012-06 | 1 |  | loans exceed deposits |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 4 | losing money, expense ratio p90 |  |
| 2013-03 | 2 | capital falling | loans exceed deposits, losing money, expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | loans exceed deposits | capital falling |
| 2013-12 | 3 | liquid assets <10% |  |
| 2014-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 3 | liquid assets <10% |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 | uninsured deposits leaving | liquid assets <10%, capital falling |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 4 | liquid assets <10% |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 |  | liquid assets <10% |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | liquid assets <10%, capital falling |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 3 |  | liquid assets <10% |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 | expense ratio p90 | loans exceed deposits |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2022-06 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | liquid assets <10% | uninsured deposits leaving |
| 2023-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2023-06 | 4 | loans exceed deposits | charge-offs p90 |
| 2023-09 | 4 |  |  |
| 2023-12 | 6 | capital falling, losing money |  |
| 2024-03 | 3 |  | expense ratio p90, uninsured deposits leaving, losing money |
| 2024-06 | 3 | uninsured deposits leaving | capital falling |
| 2024-09 | 4 | reserve under noncurrent |  |
| 2024-12 | 3 |  | uninsured deposits leaving |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-22 [North Country Savings Bank receives national recognition - North Country Now](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeFp4QVMzdEhKemJ4YWVXeElibVlHdk11TDh0eVN1bzRMX1lUYW1IMnU3dkdQSTRDM0lCMGgzQWFMeTRYS2tORHFRMU9SeW51NXhoSUg2WFRFbEFQdWNISkZnSGVRMlAxaloydm5fMS1ja0RnSXBMWkE4dlJma2pqOXpZZUl2MmNzQW00aEh4SXROTHNkUkhQcExmWkNQVm5s?oc=5) · North Country Now
- 2026-09-02 [North Country Savings Bank exec joins SUNY Canton council - InformNNY.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPcU01cWxtWUxBLUFURmpkeTJCZ0QwcERJLTFuV2RxbTZ5OWZ2ZzRoU3ZJTW1aX2p5Q0ZIa3Fxd0hfb29PazIwS3FGOFd4TkdyQUo0WXFIQlEtdXpjZE54V1ZjeFE0aGpRcm92djJPdDBCYUU0QkZadzBHbWxvbXZwWFpLWW1DLTBNbVlyUmRCN091NjRkSUk4d25n0gGfAUFVX3lxTE9xUmNXaHc4YVRoT1F6Zy00QXhQTzdvYUhxUmpUaEY4U0tSTjY1TVhFRFBkcS0zX1lWRURsVEZQeVE4NXRPSVpJeGc3anQtcFlFS0V6LUwwLTY4RUNLZFRlUHpLR3Rhem91Z19TclRZM3YzRUNJQWhrcmphQzN4b0pZbV9wQjdBUGdkYTRuVl85TDVwdVAySHVkTDN2VTRTWQ?oc=5) · InformNNY.com
- 2026-08-18 [Potsdam branch of North Country Savings Bank redevelopment project underway - North Country Now](https://news.google.com/rss/articles/CBMiugFBVV95cUxPazJkZ25GUHktZGFLeG8yRUNRZlhUUFAzakc5Q2dMZzNuWDUxa3dHVEc2N204ZTczZi1XTG9DTTZtbUJBU1cyV2RuREU3dE1uUks1c2NmOUxNSXZ1VnQtQVZQV3pXOWpoQzVKdFJ2Zi1wZC1EME1EeWpibHAxeDZBY1FBSi1IQVJZOXhEYkN2bTFzR2dxcHNzQVp4eS12WHZRdnByYTVkblpRcEVJQmtTcGZNaHNDWWc4ZFE?oc=5) · North Country Now
- 2026-05-22 [North Country Savings Bank to celebrate new full-service Plattsburgh branch - suncommunitynews.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQVl84Rno5WTZBVXctNHJfalZkTldyM2dpTklTZTFUTnJpSk9fNGNXX1l2MG94WmQ3bEgybExhRG5QTzdpX1RFdGRoVHZVeFlwM2tqSXlBQ0ZnYnliWkNfS28xQ3oxN0F4UG9QT2k1N054WlZpTWEyN2lsTTBidXFGZXVQOUdzYmlXc1FmZ2ZwaFlhTkhwbDVwM0p4Ni11ZGVpYV9YdHQ3c0RWTGJRRWFIWnN5N3JJcU1G?oc=5) · suncommunitynews.com
- 2025-11-19 [North Country Savings Bank cuts ribbon on new lobby - nny360.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWjBvcFlLUlRrV21Gc3pDQ203dEc0QzVpSk8ycms1VlRvX19pNTN5VHdiaDU2OVZ6RzJ3cHhMbkJWNXlOQlRNcmE2NjNyZE5ONXZ1ZzlSZ3dtR09ZNXIyTmxvbVdJMXN6OU9nZjRXaXFZLVFKWlhrMHhBZlhhZVJNWjZ2UWd2X3dQVE94MDA4YnhmM0ZhNHkwdUtyLVRIeTlkWXZqbm5zZFV5OEg0czI0TmdKSFA2VktjX18xYl9aVk9IQWdPVGhQZHpfbUtVcGwzQnc?oc=5) · nny360.com
- 2025-11-18 [Ribbon cutting celebrates remodeled North Country Savings Bank lobby in Canton - North Country Now](https://news.google.com/rss/articles/CBMivgFBVV95cUxQT2tOeUhiR1FWeWltdVJGeW0tVTBNQnplVE9MOERQSVNHelNDcTZDYmVlckdIYXVWZDhkYk84dER4Tl9lSkJJM1BQUVNEUjNRWjBxenhvdkxnLVBiay1qbVdmdTNndnJueWE3N2xKRWxES0NsR3A0ejFVMlNvWXNXVElhMm5yUUxobndXWVhwR29hWG1zc3hiWkpZSTg0Uy1wdWNPa2EtVWRPMFJ3clgwTndHRjQyRWhJaHNjNFNn?oc=5) · North Country Now
- 2024-10-10 [Man accused of stealing $112K from North Country bank - WWNY](https://news.google.com/rss/articles/CBMimgFBVV95cUxPdkxlOUp4Yk1kVU9DQ3VKbjlGQmZvU3hScVVGcU1XQlpvczhHeXdHWDFOMHBfc1pjRmdRYnZJN0swcUM0bnQxMDVaWXczaWxJYWhoellhUVo3b2hhRVFmYjN4bnNfVEM0aW9YSzJUdnkyb3BNbEp1VnBpMXdjUHplUHNuM3hMOEpZNHlRWV9zcG05Q09fQlRxdHpn0gGuAUFVX3lxTFBsbU5RbWJ5T3M2cGlkN2pwa3kwd2tCT1VoMldqQ0lNRVNuQTVzeENENFI1a21weUxzcDJuVmRlRk9kVkpJRDNWUjl6bXhIdkNDQjlfTERBekd6Tldka0wyRGlFdmZUenR5MVJ3ZEp5cXZXTU1lckNSMU9VSkk1Qjgwa1p5c3loNG9hYWRNZ2I0NlFYVUp3dlptZ0lhTkM1aEJETnlnMF9COWpvanIzZw?oc=5) · WWNY
- 2026-02-15 [North Country Savings Bank donates to CPA of the North Country - North Country Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPN3k0MlVEdmF4LTNWZ1NyZ0Q0eTcxamxhSkxJWGxnVzR2NTMzQUlCWUdNUndhRXNOdlBZWlFMMWF5LW5wWFFLM1RnWlpRWGRlWEptWlZOU1ROUXBUc3pfck41MkwyVjl4Nm4yLTZXcDN3S0laQWNic2wyZm4tRzdkR0pNckNEemxqRnJFQkg4NGplZHpXNVRBRmI5MlVVaFdvLTBGR0dJazI?oc=5) · North Country Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16030 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "16030", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide