Meet the Board Members
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  1. Theresa A. Phalon
    Theresa A. Phalon
Theresa A. Phalon, President and Chief Executive Officer,  North Country Savings Bank; a $250 million mutual savings bank based in Canton, New York with branches located throughout St. Lawrence County, as well as a lending office in Malone, New York.

Terry has spent the majority of her thirty years with NCSB as the bank’s Chief Lending Officer. In addition to her lending duties she has experience in asset/liability management, compliance oversight, and branch administration. In 2014 she was named President and took on additional responsibilities related to the general management of the bank’s operations.  Later that year she was elected to the Board of Trustees.

Mrs. Phalon serves as Vice Chairman of the Mortgage Markets committee with the American Bankers Association; and is also a member of the Northern New York Power Proceeds Allocation Board.  She has also served in various capacities in other volunteer organizations at the state and local level. Mrs. Phalon is a graduate of Clarkson University with her undergraduate degree in Industrial Distribution, and master’s degree in business administration.

Terry is a life-long resident of Canton; where she and her husband, Tim are active members of their local community. They have two sons; Mark, residing in Geneva, New York, and Thomas and daughter in-law, Emily, of Rochester, New York.

President and Chief Executive Officer
North Country Savings Bank