BlastPoint's Banking Scorecard

The North Country Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 16030

Designations: ✓ Mutual

Canton, NY

8 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +4.8% year over year ($296.6M on the books).
Delinquency rate 0.83%.
Return on assets 1.30%.
Efficiency ratio 67.69% vs a 64.48% peer average.
Loan-to-deposit ratio 106.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

The North Country Savings Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.16% above tier average
+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.6% in tier
- Credit Risk Growth: Bottom 33.0% in tier
- Credit Quality Pressure: Bottom 44.0% in tier
- Efficiency Ratio 3.22% above tier average

Get updates when The North Country Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$373.5M +7.4% YoY +2.1% QoQ	-$13.1M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$314.4M +6.6% YoY +1.2% QoQ	+$56.1M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$296.6M +4.8% YoY +1.6% QoQ	-$30.2M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	1.30% +2.3% YoY +6.7% QoQ	-0.02%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	5.15% +2.2% YoY +0.6% QoQ	+1.16%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Top 6.2% in tier
Efficiency Ratio ?	67.69% -0.7% YoY -2.3% QoQ	+3.22%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.83% +29.1% YoY +1.7% QoQ	-0.09%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	106.01% +1.7% YoY -0.3% QoQ	+28.06%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 5.3% in tier
Non-Interest-Bearing Deposit Share ?	13.11% -0.6% YoY +1.9% QoQ	-8.92%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	0.72% +28.7% YoY +2.8% QoQ	+0.05%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	23.61% +2.9% YoY +0.3% QoQ	+7.71%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 8.3% in tier
Non-Interest Income / Assets ?	0.39% -4.8% YoY +94.5% QoQ	-0.18%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	13.1% -0.1pp YoY +0.2pp QoQ	-9.0pp	22.1%	22.1%	22.2%	17%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	0.1% 0.0pp YoY 0.0pp QoQ	-11.5pp	11.6%	11.0%	12.5%	1%
CRE	4.3% -1.7pp YoY -0.5pp QoQ	-35.2pp	39.5%	46.2%	41.4%	1%
1-4 Family	94.3% +1.7pp YoY +0.4pp QoQ	+61.6pp	32.6%	36.6%	31.3%	99%
Consumer	1.8% -0.1pp YoY +0.1pp QoQ	-2.4pp	4.1%	5.1%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	23.6% +0.7pp YoY +0.1pp QoQ	+4.8pp	18.8%	26.1%	19.7%	86%
Leverage Ratio	14.5% +0.1pp YoY +0.2pp QoQ	+2.4pp	12.2%	13.9%	12.6%	84%
Total Capital Ratio	24.2% +0.7pp YoY +0.1pp QoQ	+4.3pp	19.9%	27.2%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	76 +3 (+4.1%) YoY +5 (+7.0%) QoQ	+17	58	914	482	75%
Assets per Employee ($)	$4.9M +3.2% YoY -4.7% QoQ	-$2.6M	$7.5M	$14.8M	$8.8M	13%
Branch Count	8 0 YoY 0 QoQ	+3	4	27	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.1%	0.4%	19%
Nonaccrual	0.8% +0.4pp YoY +0.1pp QoQ	-0.1pp	0.9%	1.3%	1.0%	67%
Allowance Coverage	0.53x -18.7% YoY -1.5% QoQ	-23.62x	24.15x	1.92x	20.23x	11%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	65%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	9.7% -0.2pp YoY +0.6pp QoQ	-2.5pp	12.2%	7.9%	11.6%	35%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	31%
Net Income ($, YTD)	$2.4M +10.0% YoY — QoQ	-$160K	$2.6M	$111.2M	$40.4M	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk

#50 of 742 • Bottom 6.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.61%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 106.01%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#310 of 936 • Bottom 33.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#554 of 1256 • Bottom 44.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.83%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

164

Net Interest Margin

profitability

Value: 5.15%

Peer Median: 3.99%

#164 of 2643 Top 6.2% in $100M-$1B

220

Tier 1 Capital Ratio

capital

Value: 23.61%

Peer Median: 15.91%

#220 of 2643 Top 8.3% in $100M-$1B

417

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#417 of 2643 Top 15.7% in $100M-$1B

Top Weaknesses (2 metrics)

2503

Loan-to-Deposit Ratio

liquidity

Value: 106.01%

Peer Median: 77.95%

#2503 of 2643 Bottom 5.3% in $100M-$1B

2175

Non-Interest-Bearing Deposit Share

funding

Value: 13.11%

Peer Median: 22.03%

#2175 of 2643 Bottom 17.7% in $100M-$1B