Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
46th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 8, 2026
Call-report figures are for The North Country Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The North Country Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (46th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $96K in Q2 2026, 7.9% above the same quarter a year earlier ($89K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for The North Country Savings Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $96K | +$6K | +6.7% |
| Q1 2026 | $90K | −$4K | −4.3% |
| Q4 2025 | $94K | $0 | 0.0% |
| Q3 2025 | $94K | +$5K | +5.6% |
| Q2 2025 | $89K | $0 | 0.0% |
| Q1 2025 | $89K | −$10K | −10.1% |
| Q4 2024 | $99K | −$1K | −1.0% |
| Q3 2024 | $100K | +$4K | +4.2% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The North Country Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The North Country Savings Bank by share.
They stay out of every comparison until review is done.
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Returned Mail (due to incorrect address) (audience not stated, treated as personal) | $5Not compared: Per-item charge, not monthly | per item | None |
Other FeesUnder review | |||
| Loan Statement Copies (audience not stated, treated as personal) | $5 | per item | None |
| Returned Loan Payment Fee (check or electronic item) (audience not stated, treated as personal) | $20 | per item | None |
Other feesUnder review | |||
| Appraisal Fee (standard) (audience not stated, treated as personal) | $400 | Not stated | None |
| Flood Fee (audience not stated, treated as personal) | $7.75 | Not stated | None |
| HELOC Stop Payment Fee (audience not stated, treated as personal) | $25 | Not stated | None |
| Insurance Tracking Fee (Excluding HELOC’s) (audience not stated, treated as personal) | $75 | Not stated | None |
| Loan Statement Copies (audience not stated, treated as personal) | $5 | Not stated | None |
| Manufactured Title Fee (Mortgage) (audience not stated, treated as personal) | $125 | Not stated | None |
| Manufactured UCC Fee (Mortgage) (audience not stated, treated as personal) | $40 | Not stated | None |
| Mortgage Building & Loan Fee (audience not stated, treated as personal) | $30 | Not stated | None |
| Mortgage Discharge Fee (audience not stated, treated as personal) | $50 | Not stated | None |
| Origination Fee (All loans other than construction) (audience not stated, treated as personal) | $250 | Not stated | None |
| Returned Loan Payment Fee (check or electronic item) (audience not stated, treated as personal) | $20 | per item | None |
| Returned Mail (due to incorrect address) (audience not stated, treated as personal) | $5 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The North Country Savings Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $296.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 8 | $296.6M |
Largest competitors nearby
Local market: St. Lawrence, Franklin and Clinton counties, NY, where it holds the most deposits.
| 24 in its local market | Deposit share |
|---|---|
| Community Bank, National Association | 45.7% |
| KeyBank National Association | 13.5% |
| TD Bank, National Association | 11.1% |
| NBT Bank, National Association | 9% |
| Arrow Bank National Association | 5% |
This bank holds 6.4% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows