North Country Savings Bank (FDIC #16030): Bank Stress & Real-Estate Credit Exposure
North Country Savings Bank (FDIC Cert #16030): bank stress 52/100, moderate, STABLE over 7 days.
North Country Savings Bank (#16030) lends in 3 counties across 1 state; North Country Savings Bank (#16030) reaches 98 ZIP codes: New York 3 counties, 98 ZIPs.
North Country Savings Bank (#16030) largest markets: St. Lawrence County, NY (216 branches, 54 ZIPs) (#16030), Clinton County, NY (27 branches, 27 ZIPs) (#16030), Franklin County, NY (72 branches, 24 ZIPs) (#16030).
North Country Savings Bank (#16030) reports $373.5 million in total assets; North Country Savings Bank (#16030) equity $50.5 million (13.5% of North Country Savings Bank (#16030) assets); North Country Savings Bank (#16030) domestic deposits $296.6 million; North Country Savings Bank (#16030) net income $2.4 million; North Country Savings Bank (#16030) return on assets 1.30%; North Country Savings Bank (#16030) return on equity 9.72%; North Country Savings Bank (#16030) net interest income $8.5 million; North Country Savings Bank (#16030) call report June 30, 2026.
North Country Savings Bank (#16030) noncurrent real-estate loans 0.03% of its book; North Country Savings Bank (#16030) net charge-offs on real estate 0.83%.
North Country Savings Bank (#16030) net interest margin 5.15% against an eight-quarter North Country Savings Bank (#16030) average of 5.01% (North Country Savings Bank (#16030) compression -0.14 points); North Country Savings Bank (#16030) real-estate loans 2.5% of equity; North Country Savings Bank (#16030) rate-exposure score 40/100, North Country Savings Bank (#16030) fixed-rate trap 40/100; North Country Savings Bank (#16030) risk type credit driven; North Country Savings Bank (#16030) rate regime rates elevated, North Country Savings Bank (#16030) snapshot October 20, 2026.
North Country Savings Bank (#16030) stress score moved from 52.4 on June 22, 2026 to 52.1 on October 20, 2026; North Country Savings Bank (#16030) ranged 52.1 to 52.4 over 117 snapshots.
North Country Savings Bank (#16030) alerts: 3 counties; top North Country Savings Bank (#16030) alert scores: Plattsburgh County, NY 21 (low); Potsdam County, NY 21 (low); Tupper Lake County, NY 21 (low).