The Putnam County National Bank of Carmel: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.44 percentage points lower than in Q1 2026, at 91.16%. Within New York, The Putnam County National Bank of Carmel is 38th of 105 on loan-to-deposit ratio, 91.16% as of Q2 2026, above the middle of the field. The Putnam County National Bank of Carmel reported 91.16% on loan-to-deposit ratio for Q2 2026, 10.32 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.3M |
| Net loans and leases | $121.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.47% |
| Loan-to-deposit ratio | 91.16% |
| Net loans to equity capital | 2.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.37% |
| Multifamily (5+ residential) | 14.40% |
| Commercial and industrial | 0.12% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.70% |
| Construction concentration (Tier 1 capital + allowance) | 1.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $117.7M | $145.4M | 36.41% | 0.24% | 0.41% |
| Q4 2023 | $118.1M | $128.5M | 37.29% | 0.21% | 0.24% |
| Q1 2024 | $119.6M | $129.6M | 39.09% | 0.18% | 0.22% |
| Q2 2024 | $119.6M | $125.8M | 41.49% | 0.15% | 0.20% |
| Q3 2024 | $120.1M | $138.2M | 40.63% | 0.19% | 0.20% |
| Q4 2024 | $120.0M | $127.7M | 40.66% | 0.19% | 0.20% |
| Q1 2025 | $120.7M | $129.4M | 41.56% | 0.19% | 0.16% |
| Q2 2025 | $120.2M | $128.3M | 40.67% | 0.19% | 0.25% |
| Q3 2025 | $119.9M | $140.3M | 40.05% | 0.19% | 0.24% |
| Q4 2025 | $117.5M | $127.7M | 40.30% | 0.18% | 0.16% |
| Q1 2026 | $123.2M | $126.2M | 42.96% | 0.14% | 0.09% |
| Q2 2026 | $123.3M | $135.2M | 43.37% | 0.12% | 0.13% |
The Putnam County National Bank of Carmel loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Putnam County National Bank of Carmel, freeSource: Call Report Schedule RC-C, 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)