# NORTH COUNTRY BANK
MCCLUSKY, ND · FDIC certificate 3947 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $68.8M | |
| Deposits | $61.1M | |
| Loans and leases | $32.0M | |
| Total equity | $7.6M | |
| Loans / deposits | 51.78% (p22 of band) | 70.43% |
| Liquid assets / assets | 49.64% (p76 of band) | |
| Uninsured deposits / deposits | 13.56% (p51 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p39 of band) | 10.49% |
| Unrealized securities loss / equity | 1.19% (p48 of band) | 1.32% |
| AOCI / equity | 2.26% (p91 of band) | |
| ROA (annualized) | 0.67% (p40 of band) | 0.80% |
| Net interest margin | 3.17% (p27 of band) | 3.57% |
| Efficiency ratio | 69.89% (p40 of band) | |
| Noncurrent loans | 0.03% (p17 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 3009.09% | |
| Real estate % of loans | 34% | |
| Construction % of loans | 3.45% (p25 of band) | |
| Auto loans | $1.0M (3.20% of loans; DQ 2.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |

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

- 2024-10-10 [Man accused of stealing $112K from North Country bank - WWNY](https://news.google.com/rss/articles/CBMimgFBVV95cUxPdkxlOUp4Yk1kVU9DQ3VKbjlGQmZvU3hScVVGcU1XQlpvczhHeXdHWDFOMHBfc1pjRmdRYnZJN0swcUM0bnQxMDVaWXczaWxJYWhoellhUVo3b2hhRVFmYjN4bnNfVEM0aW9YSzJUdnkyb3BNbEp1VnBpMXdjUHplUHNuM3hMOEpZNHlRWV9zcG05Q09fQlRxdHpn0gGuAUFVX3lxTFBsbU5RbWJ5T3M2cGlkN2pwa3kwd2tCT1VoMldqQ0lNRVNuQTVzeENENFI1a21weUxzcDJuVmRlRk9kVkpJRDNWUjl6bXhIdkNDQjlfTERBekd6Tldka0wyRGlFdmZUenR5MVJ3ZEp5cXZXTU1lckNSMU9VSkk1Qjgwa1p5c3loNG9hYWRNZ2I0NlFYVUp3dlptZ0lhTkM1aEJETnlnMF9COWpvanIzZw?oc=5) · WWNY
- 2025-05-11 [Donald M. Bisson Obituary May 11, 2025 - Bryant Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTFAxbUU5enlNVktWNHBXYkQtNnQzYkdnRjc3RV85LU9ZQ0lVSXAwM256aHJFNnpTQmFzalgtUXVweWtSWG50SkJjc3BBLUlGOXN6YV9FbUE0UnJWbVZxeDVPbFpMdUh2TlZTTS1xVg?oc=5) · Bryant Funeral Homes &amp; Crematory
- 2026-03-06 [Man Who Lived In North Country Convicted Of Second Bank Robbery - Caledonian Record](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQOVM4NzFDakpGVGZRdzU3ZWo4TnF2ellncWE5SFBGQzNwQWJzTlVPbzZhZjhNM3BHOFNpWXZDM3M1XzVRZnRjQ1NkNkNVWDM3MktaYkFURnFNVHZOMDc1LUFVREh1TGRQcUlobGFNSkJDZ2pLZFF4ZDRuWWJ0NGF3MWFpSVpSa041djJ5Tjc0WUp5VGJ6TmZGX0xOZ3dMLXRLeXhPd0VXckVRckVZd1Y0X0l5bkJxY0Fycm9GLVhrWUEzaWZNYUVScjRrZi1BczhVUVpMS1dHalUwT1o4cnM0S1E2UWsxNjNxYkE2QlNR?oc=5) · Caledonian Record
- 2021-04-12 [Nicolet Bank expands into Michigan with $248 million deal to acquire mBank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOUldrSkJOWk5KcWVXZnBBemhYWFRWS09faXJUTTlTRHd2M2VCVEY3UHZISmFCeTBBbHNZVFZacElVUGYzempTVEI3R0QtYW5pUW9ybl9RR2xYeFRaMFlpR2NJT2xSbm9OekRaRTdMNlBVQXVBb0pGVWpab1UzMzJ1MmFjRmxYOUVySXY0TEhXSEJQTUtDd3B1X3E2dTRGTFRScWIwOGM3RWhjSExwRF84c05Cb0V0Q0lVTUxNUkMxdlFKYzM3UTlqLXlBQ0lxWTBiVnF6c2kwS2YtWmJaUHFmcFVn?oc=5) · Green Bay Press-Gazette
- 2018-06-21 [State Savings selects new president - Pioneer Tribune](https://news.google.com/rss/articles/CBMiggFBVV95cUxQaXdOVjV0SUJEOE41eGktUF9UeDJQNThJM0Y2Z2tYb3hBcmlXVk1IcGo2SVk4dko5M285NFVmdkdTb01VRWZwdlZzQy1LWnoxSGRrLXhpb3VtMjNDVUdiaTh5MjZiSUxkYUV3TEVNNksySElXaGpEMjVfeHlzSGNnN2pR?oc=5) · Pioneer Tribune
- 2022-07-29 [Jeannette T. Morrissette Obituary Jul 29, 2022 - Bryant Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMid0FVX3lxTE1YaDdlX0hTUEtLTTNFRHliMHViOEhwOTNKVk1lNEFsTmlnRkJ1Ull0NERkZVp3Ni0ycm9IdjRVSlBMNHBrWE1SbmVoUGVvR0NUOE5RalpjUWx5NnhTdXc2YVNoV3lXdm9TUlZOQmVOMXRNbDNYUGdN?oc=5) · Bryant Funeral Homes &amp; Crematory
- 2016-07-28 [mBank’s success story: People powered, community focused, client driven - Pioneer Tribune](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcnE3YjBCMzBfU2ZiQ1BYcmYwSWZXelI2MXFlRDVFOU1XS3R3VV8wcGk2VlhYUGhUV1FlVEdsUXJRVDFvcngyQ3d0ZUdKVm4xdFFyRjRuUERWMVMteVc0U2FtRlJJTjFzTk9mVGoyTGx3VGVHWnRlUVZSYXlDX2E1UjBtbWdKV21fWlFTMFk4RTJEc2w1WWo2cExiN3lVMnE5Nmp1VEVpNVVldHdr?oc=5) · Pioneer Tribune
- 2025-06-18 [Accused Bank Robber Says Police Lying, Seeks To Represent Himself - Caledonian Record](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNMnhJaDN1QUx6SjRqX1RGY0VmYVpDSWNOYkFDUTU1ODFwVDhqX3lkN1J6UmtLSVZEbmZGZk5vczJQZ195NEhoZzFmaUVyVXBiVnhaQklNSXI1RUV5S2F3OEFFSnN2cFozWmdOclY0T3FoVVJfQ2ZnRjRjdmphM2xrT1lDY1UweG5HSmVrX1lGdmE5elhqRUh0TVBUSWlSMVdsSmpoMWpkZjRtSjlhWHkwVXREclF5UmRkeXBDci1zNklqVko5dF9RTlJ5a3BEc3pIblZBbkhXZHZZaVNuaWtJZ2N4bkR2b1BVTzNJWXVvUQ?oc=5) · Caledonian Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3947 (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/43.json (key "3947", 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.

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