The North Country Savings Bank: how it compares with its peers
Against 39 NY banks with half to twice its assets, The North Country Savings Bank's strongest measure in Q2 2026 is net interest margin (5.15% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 0.71% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.15% | 3.74% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.69% | 71.94% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $7.1M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.01% | 87.82% | Context |
What it means for lending operations
Its efficiency ratio of 67.69% is better than the 71.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Delaware National Bank of Delhi Delhi, NY · $384M
- Cattaraugus County Bank Little Valley, NY · $385M
- Abacus Federal Savings Bank New York, NY · $321M
- Seneca Savings Bank, National Association Baldwinsville, NY · $312M
- Carthage Savings and Loan, National Association Carthage, NY · $312M
- Bank of Millbrook Millbrook, NY · $312M
Questions about The North Country Savings Bank
How big is The North Country Savings Bank?
The North Country Savings Bank, established in 1909, is headquartered in Canton, NY. It reported $373M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is The North Country Savings Bank's return on assets?
1.30% annualized in Q2 2026, against a 0.71% median for 39 NY banks with half to twice its assets, ahead of 79% of them.
What is The North Country Savings Bank's efficiency ratio?
67.69% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 71.94%, and lower is better.
Is The North Country Savings Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 4.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.