PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE

PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE is asn small FDIC-insured commercial bank headquartered in CARMEL, NY, established in Jan. 1, 1865, midnight. As of 2025-12-31, the bank reported total assets of $174M and total deposits of $128M. Profitability stands at 1.29% ROA and 5.16% ROE, with a net interest margin of 5.31%. The bank's CET1 capital ratio is 26.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 2.69%. FDIC Certificate #6990.