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Letter portraitLegal landscape

Putnam County National Bank of Carmel, The

Carmel, NY · Cert 6990 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

National charter · OCC · 6 branches

Q2 2026

$182.7MAssets
$123.3MLoans
$135.2MDeposits
$46.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: nonperforming loans / loans trails 53% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.26%

Rank 5 of 31

Net Interest Margin

4.02%

Rank 7 of 31

Efficiency Ratio

62.97%

Rank 6 of 31

Equity / Assets

25.37%

Rank 5 of 31

Non-interest income vs. expense

$0.2M$4.5MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 84% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 62.97%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%-0.02%0.39%0.84%Beats 84%5 / 31
Return on Equity4.98%-0.19%2.57%5.72%Beats 68%10 / 31
Net Interest Margin4.02%2.51%3.30%3.85%Beats 77%7 / 31
Efficiency Ratio62.97%68.41%83.66%91.76%Beats 84%6 / 31
Asset Quality
Nonperforming Loans / Loans0.48%0.18%0.47%2.65%Beats 47%17 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio26.77%13.24%15.54%26.77%Beats 74%8 / 31
Total Risk-Based Capital Ratio26.77%14.07%16.32%26.77%Beats 74%8 / 31
Equity / Assets25.37%10.38%13.26%17.83%Beats 84%5 / 31
Liquidity & Funding
Loans / Deposits91.16%84.03%94.98%103.65%42nd pctl18 / 31
Loans / Assets67.47%61.61%75.31%83.78%32nd pctl21 / 31
Brokered Deposits / Depositsn/aNot reported for this institution