Bank · FDIC insured
North Country Savings Bank
A $373.5M bank headquartered in Canton, NY, with 8 branches in New York. Best rates: CDs 3.04% and savings 0.40% APY.
North Country Savings Bank Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#6 of 9 in Massena, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About North Country Savings Bank
Founded in 1909 as a mutual bank, North Country Savings Bank is headquartered in Canton, New York.
The bank serves customers across the North Country region with branch locations in Canton, Potsdam, Ogdensburg, Massena, Malone, Tupper Lake, Saranac Lake, and Plattsburgh.
- Headquarters
- 127 Main St, Canton, NY 13617
- FDIC certificate
- 16030 ↗
Branches
8 branches in New York
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New York
8 branches
Massena area · 4
- The North Country Savings BankMain office127 Main St, Canton, NY 13617Directions
- Massena Branch22 Phillips St, Massena, NY 13662Directions
- Greene And Caroline Streets Branch401 Caroline St, Ogdensburg, NY 13669Directions
- Potsdam Branch31 Main St, Potsdam, NY 13676Directions
Malone area · 1
- Malone Branch217 West Main Street, Malone, NY 12953Directions
Plattsburgh area · 1
- North Country Savings Bank Plattsburgh Branch1 Broad Street, Plattsburgh, NY 12901Directions
Saranac Lake area · 1
- North Country Savings Bank Saranac Lake Branch68 Main Street, Saranac Lake, NY 12983Directions
Tupper Lake area · 1
- North Country Savings Bank Tupper Lake Branch91 Park Street, Tupper Lake, NY 12986Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.82% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.30% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $106 | $81 | — |
- CapitalLeverage ratio14.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.82%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.30%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$106Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of North Country Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.