BlastPoint's Banking Scorecard

The Putnam County National Bank of Carmel

$100M-$1B Specialty: Commercial NY FDIC cert 6990

Carmel, NY

6 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

The Putnam County National Bank of Carmel has 2 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 19.94% above tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.2% in tier
- Liquidity Overhang: Bottom 6.5% in tier
- Credit Quality Pressure: Bottom 23.2% in tier
- Liquidity Strain: Bottom 24.6% in tier
- Flatlined Growth: Bottom 30.1% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.25% below tier average
- Efficiency Ratio 0.68% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$172.9M -0.7% YoY -0.5% QoQ	-$213.2M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$121.2M +1.7% YoY +4.9% QoQ	-$134.5M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$126.2M -2.5% YoY -1.2% QoQ	-$201.8M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Bottom 14.0% in tier
Return on Assets ?	1.02% +16.1% YoY -12.1% QoQ	-0.25%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	3.95% -1.1% YoY -8.6% QoQ	+0.02%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	65.96% -4.8% YoY +3.1% QoQ	+0.68%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.53% +3.1% YoY -12.1% QoQ	-0.36%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	96.06% +4.3% YoY +6.2% QoQ	+19.42%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ?	41.96% +6.9% YoY +4.5% QoQ	+19.94%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 3.7% in tier
Nonperforming Asset Ratio ?	0.70% +3.3% YoY -3.8% QoQ	+0.06%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	26.39% +5.0% YoY +1.6% QoQ	+10.56%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 5.3% in tier
Non-Interest Income / Assets ?	0.03% +202.2% YoY -49.3% QoQ	-0.25%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 8.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Credit Risk Growth

risk

#13 of 973 • Bottom 1.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Overhang

risk

#49 of 739 • Bottom 6.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.39%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.06%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#304 of 1308 • Bottom 23.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.53%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#159 of 643 • Bottom 24.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.06%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#155 of 512 • Bottom 30.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.02%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 41.96%

Peer Median: 22.02%

#99 of 2664 Top 3.7% in $100M-$1B

143

Tier 1 Capital Ratio

capital

Value: 26.39%

Peer Median: 15.83%

#143 of 2664 Top 5.3% in $100M-$1B

Top Weaknesses (4 metrics)

2437

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2437 of 2664 Bottom 8.6% in $100M-$1B

2293

Loan-to-Deposit Ratio

liquidity

Value: 96.06%

Peer Median: 76.64%

#2293 of 2664 Bottom 14.0% in $100M-$1B

2293

Total Deposits

size

Value: $126.20M

Peer Median: $327.97M

#2293 of 2664 Bottom 14.0% in $100M-$1B

2128

Total Assets

size

Value: $172.91M

Peer Median: $386.08M

#2128 of 2664 Bottom 20.2% in $100M-$1B