Call reports 2026
NORTH COUNTRY SAVINGS BANK, THE — 2026
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 365,957,000 | 373,481,000 |
| Total loans | 311,933,000 | 315,790,000 |
| Allowance for loan losses | 1,371,000 | 1,390,000 |
| Securities available for sale | 2,871,000 | 2,775,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 291,945,000 | 296,572,000 |
| Interest-bearing deposits | 254,380,000 | 257,698,000 |
| Noninterest-bearing deposits | 37,565,000 | 38,874,000 |
| Equity capital | 49,244,000 | 50,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,381,000 | 10,814,000 |
| Interest expense | 1,201,000 | 2,350,000 |
| Net interest income | 4,180,000 | 8,464,000 |
| Noninterest income | 734,000 | 1,457,000 |
| Noninterest expense | 3,405,000 | 6,716,000 |
| Provision for loan losses | 93,000 | 158,000 |
| Pretax income | 1,416,000 | 3,047,000 |
| Income tax | 301,000 | 652,000 |
| Net income | 1,115,000 | 2,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 52,122,000 | 53,403,000 |
| Total capital | 53,493,000 | 54,793,000 |
| Risk-weighted assets | 221,455,000 | 226,143,000 |