BlastPoint's Banking Scorecard
The North Country Savings Bank
Designations: ✓ Mutual
Canton, NY
8 branches across NY
The North Country Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.19% above tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6.4% in tier
- - Credit Risk Growth: Bottom 36.3% in tier
- - ROA 0.05% below tier average
- - Efficiency Ratio 4.01% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$366.0M
+7.3% YoY
-0.0% QoQ
|
-$20.1M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$310.6M
+6.5% YoY
+0.7% QoQ
|
+$54.8M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$291.9M
+7.0% YoY
+1.1% QoQ
|
-$36.0M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
1.22%
+7.4% YoY
+7.9% QoQ
|
-0.05% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
5.12%
+3.0% YoY
+0.5% QoQ
|
+1.19% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 5.8% in tier |
| Efficiency Ratio ? |
69.29%
-1.6% YoY
-3.7% QoQ
|
+4.01% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.81%
+63.4% YoY
+17.1% QoQ
|
-0.07% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
106.38%
-0.5% YoY
-0.4% QoQ
|
+29.74% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.87%
-6.1% YoY
-5.7% QoQ
|
-9.15% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.70%
+58.3% YoY
+13.7% QoQ
|
+0.07% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
23.54%
+2.7% YoY
+2.0% QoQ
|
+7.71% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 8.0% in tier |
| Non-Interest Income / Assets ? |
0.20%
-3.7% YoY
-74.3% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 14.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.