Bank Comparison
Putnam County National Bank of Carmel, the vs Deutsche Bank Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 9
winning metrics across 13 comparable rows
Capital adequacy
| Metric | Putnam County National Bank of Carmel, the | Deutsche Bank Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 26.39% | 91.21% |
| Equity / Assets | 26.39% | 92.30% |
Profitability
| Metric | Putnam County National Bank of Carmel, the | Deutsche Bank Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 7.69% |
| Return on Equity (ROE) | 3.88% | 8.52% |
| Net Interest Margin (NIM) | 3.88% | 4.20% |
| Yield on Earning Assets | 4.20% | 4.20% |
| Cost of Funds | 0.43% | — |
Asset quality
| Metric | Putnam County National Bank of Carmel, the | Deutsche Bank Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 6.81% | 0.00% |
| Non-Performing Loan Ratio | 2.17% | — |
| Non-Performing Asset Ratio | 1.87% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 1.58% | — |
Balance sheet
| Metric | Putnam County National Bank of Carmel, the | Deutsche Bank Trust Company, N.A. |
|---|---|---|
| Total Assets | $172,907K | $165,755K |
| Total Deposits | $126,196K | $0 |
| Total Loans | $123,165K | $0 |
| Total Equity | $45,637K | $153,000K |
| Net Income (quarter) | $441 | $3,223K |
Liquidity & funding
| Metric | Putnam County National Bank of Carmel, the | Deutsche Bank Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 97.60% | — |
| Core Deposit Ratio | 95.51% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Putnam County National Bank of Carmel, the | Deutsche Bank Trust Company, N.A. |
|---|---|---|
| Headquarters City | CARMEL | NEW YORK |
| Headquarters State | NY | NY |
| Asset Tier | Small | Small |
| Charter Class | 976 | — |
| Regulator | OCC | — |
| Domestic Branches | 6 | — |
| Employees (FTE) | 32 | 23 |
| Established | Jan. 1, 1865, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Putnam County National Bank of Carmel, the profile | View full Deutsche Bank Trust Company, N.A. profile | Browse all bank comparisons