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The North Country Savings Bank

Canton, NY · Est. 1909 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The North Country Savings Bank is a bank based in Canton, New York, established in 1909, with $366 million in total assets across 8 branches. By Trust Grade it ranks 4th of 118 banks we track in New York. Its capital ratio of 13.5% is stronger than 83% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.22% return on assets. No consumer complaints against The North Country Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$366.0M
$100M–1B institution
Deposits
$291.9M
Branches
8
Capital ratio
13.5%
Top 17% of $100M–1B peers · New York median 10.4%
Return on assets
1.2%
Top 49% of $100M–1B peers · New York median 0.84%
Rank in New York
#4
of 118 banks

How The North Country Savings Bank compares to New York peers

Capital ratio
Top 17% of $100M–1B peers
The North
13.5%
New York median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 49% of $100M–1B peers
The North
1.2%
New York median
0.8%
Higher ROA = more profitable relative to asset base

How we graded The North Country Savings Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (13.5% capital ratio)
  • Strongly profitable (ROA 1.22%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The North Country Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (8)

  • 127 Main St, Canton, NY 13617
  • 22 Phillips St, Massena, NY 13662
  • 31 Main St, Potsdam, NY 13676
  • 401 Caroline St, Ogdensburg, NY 13669
  • 217 West Main Street, Malone, NY 12953
  • 1 Broad Street, Plattsburgh, NY 12901
  • 91 Park Street, Tupper Lake, NY 12986
  • 68 Main Street, Saranac Lake, NY 12983

Are deposits at The North Country Savings Bank insured?

Yes. The North Country Savings Bank is an FDIC-insured bank (FDIC certificate #16030). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The North Country Savings Bank: frequently asked questions

Is The North Country Savings Bank a good bank?

The North Country Savings Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.5% capital ratio); Strongly profitable (ROA 1.22%).

Is The North Country Savings Bank FDIC-insured?

Yes. The North Country Savings Bank is a FDIC-insured bank (FDIC certificate #16030). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The North Country Savings Bank?

The North Country Savings Bank holds $366 million in total assets, ranking 4th of 118 banks we track in New York. It operates 8 branches.

Does The North Country Savings Bank have CFPB complaints?

No CFPB complaints against The North Country Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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