PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE
PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE is an FDIC-insured commercial bank headquartered in CARMEL, NY, established in 1865. As of , 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 5.16%. CET1 capital ratio: 26.00%, well above regulatory minimums. NPL ratio: 2.35% · Texas Ratio: 7.07%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Putnam County National Bank of Carmel, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 26.00% | 1.29% | 2.35% | 7.07% | 5.16% |
| 2025-09-30 | 23.87% | 1.18% | 2.80% | 8.51% | 4.01% |
| 2025-06-30 | 25.28% | 1.27% | 2.85% | 8.81% | 4.10% |
| 2025-03-31 | 24.87% | 0.88% | 2.76% | 8.69% | 3.96% |
| 2024-12-31 | 25.00% | 0.64% | 2.83% | 8.93% | 4.17% |
| 2024-09-30 | 23.28% | 1.05% | 2.90% | 9.21% | 4.10% |
| 2024-06-30 | 24.78% | 1.14% | 2.96% | 9.45% | 4.24% |
| 2024-03-31 | 24.12% | 1.47% | 3.33% | 9.71% | 4.11% |
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Frequently asked about PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE
What are Putnam County National Bank of Carmel, the's total assets?
As of the Q4 2025 filing, Putnam County National Bank of Carmel, the reported total assets of $173.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Putnam County National Bank of Carmel, the headquartered?
Putnam County National Bank of Carmel, the is headquartered in CARMEL, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Putnam County National Bank of Carmel, the founded?
Putnam County National Bank of Carmel, the was established in 1865, per the FDIC institution directory.
Is Putnam County National Bank of Carmel, the FDIC-insured?
Yes. Putnam County National Bank of Carmel, the is an FDIC-insured commercial bank (FDIC Certificate #6990). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Putnam County National Bank of Carmel, the?
Putnam County National Bank of Carmel, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Putnam County National Bank of Carmel, the's CET1 capital ratio?
Putnam County National Bank of Carmel, the reported a Common Equity Tier 1 (CET1) capital ratio of 26.00% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Putnam County National Bank of Carmel, the operate?
Putnam County National Bank of Carmel, the operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Putnam County National Bank of Carmel, the's Texas Ratio?
Putnam County National Bank of Carmel, the's Texas Ratio is 7.07% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.