The Putnam County National Bank of Carmel: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 7.52 percentage points in Q2 2026, from 102.19% to 94.67%. It was the largest change from Q1 2026 among the key lines here. The Putnam County National Bank of Carmel ranks 38th of 105 New York banks on loan-to-deposit ratio, in the upper half at 91.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Putnam County National Bank of Carmel sits 10.32 points higher, at 91.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.16% |
| Net loans and leases to deposits | 89.87% |
| Loans and leases to core deposits | 94.67% |
| Core deposits to total deposits | 96.30% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 80.94% | 98.25% | $0 | $0 |
| Q4 2023 | 91.89% | 96.30% | $0 | $0 |
| Q1 2024 | 92.28% | 96.31% | $0 | $0 |
| Q2 2024 | 95.07% | 95.95% | $0 | $0 |
| Q3 2024 | 86.88% | 96.68% | $0 | $0 |
| Q4 2024 | 93.98% | 95.82% | $0 | $0 |
| Q1 2025 | 93.24% | 95.82% | $0 | $0 |
| Q2 2025 | 93.73% | 95.57% | $0 | $0 |
| Q3 2025 | 85.47% | 95.90% | $0 | $0 |
| Q4 2025 | 92.01% | 95.89% | $0 | $0 |
| Q1 2026 | 97.60% | 95.51% | $0 | $0 |
| Q2 2026 | 91.16% | 96.30% | $0 | $0 |
The Putnam County National Bank of Carmel liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Putnam County National Bank of Carmel, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Putnam County National Bank of Carmel profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6990) · FFIEC NIC profile (RSSD 287007)