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The Putnam County National Bank of Carmel

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

Carmel, NY

6 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits +5.4% year over year ($135.2M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.31%.
  • Efficiency ratio 62.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

The Putnam County National Bank of Carmel has 4 strengths but faces 2 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 17.34% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Efficiency Ratio 1.51% below tier average
  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.6% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when The Putnam County National Bank of Carmel releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $182.7M
+5.3% YoY +5.7% QoQ
-$203.9M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $121.5M
+2.4% YoY +0.3% QoQ
-$136.8M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $135.2M
+5.4% YoY +7.2% QoQ
-$191.5M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 1.31%
+21.9% YoY +28.6% QoQ
-0.01% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 4.05%
-0.5% YoY +2.7% QoQ
+0.07% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 62.97%
-2.5% YoY -4.5% QoQ
-1.51% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.48%
-24.5% YoY -8.6% QoQ
-0.43% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 89.87%
-2.9% YoY -6.4% QoQ
+11.92% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 39.37%
+2.2% YoY -6.2% QoQ
+17.34% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 5.2% in tier
Nonperforming Asset Ratio ? 0.63%
-17.4% YoY -9.6% QoQ
-0.04% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 26.77%
+5.0% YoY +1.4% QoQ
+10.86% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 5.5% in tier
Non-Interest Income / Assets ? 0.05%
+47.4% YoY +57.7% QoQ
-0.52% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 5.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 39.4%
+0.9pp YoY
-2.6pp QoQ
 +17.2pp 22.1% 22.1% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.1%
-0.1pp YoY
0.0pp QoQ
 -11.4pp 11.6% 11.0% 12.5% 1%
CRE 59.2%
+1.1pp YoY
-0.4pp QoQ
 +19.7pp 39.5% 46.2% 41.4% 83%
1-4 Family 41.9%
-0.3pp YoY
+0.2pp QoQ
 +9.3pp 32.6% 36.6% 31.3% 73%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.1% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.1% 19.7% n/a
Leverage Ratio 26.8%
+1.3pp YoY
+0.4pp QoQ
 +14.6pp 12.2% 13.9% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 27.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 33
-1 (-2.9%) YoY
+1 (+3.1%) QoQ
 -26 58 914 482 31%
Assets per Employee ($) $5.5M
+8.5% YoY
+2.5% QoQ
 -$2.0M $7.5M $14.8M $8.8M 23%
Branch Count 6
0 YoY
0 QoQ
 +1 4 27 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.5%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.3% 1.0% 52%
Allowance Coverage 2.96x
+49.2% YoY
-2.0% QoQ
 -21.19x 24.15x 1.92x 20.23x 58%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 5.0%
+0.8pp YoY
+1.2pp QoQ
 -7.1pp 12.2% 7.9% 11.6% 14%
Cost of Funds (YTD) 0.3%
0.0pp YoY
0.0pp QoQ
 -1.4pp 1.7% 1.8% 1.7% 1%
Net Income ($, YTD) $1.2M
+24.2% YoY
— QoQ
 -$1.4M $2.6M $111.2M $40.4M 32%

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 (1)

Liquidity Overhang

risk
#65 of 742 • Bottom 8.6% 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: 26.77%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.87%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

139
Non-Interest-Bearing Deposit Share
funding
Value: 39.37%
Peer Median: 22.03%
#139 of 2643 Top 5.2% in $100M-$1B
147
Tier 1 Capital Ratio
capital
Value: 26.77%
Peer Median: 15.91%
#147 of 2643 Top 5.5% in $100M-$1B

Top Weaknesses (3 metrics)

2497
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2497 of 2643 Bottom 5.6% in $100M-$1B
2198
Total Deposits
size
Value: $135.23M
Peer Median: $326.73M
#2198 of 2643 Bottom 16.9% in $100M-$1B
2059
Total Assets
size
Value: $182.71M
Peer Median: $386.57M
#2059 of 2643 Bottom 22.1% in $100M-$1B
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