The Putnam County National Bank of Carmel: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Putnam County National Bank of Carmel of Carmel, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.65% | 1.34% | +0.31% | 71st above |
| ROAE | 6.21% | 13.32% | -7.11% | 18th bottom |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 60.20% | 61.14% | -0.94% | 54th above |
| PPNR / Avg Assets | 1.68% | 1.68% | +0.00% | 56th above |
| Yield on Earning Assets | 4.55% | 5.67% | -1.12% | 9th bottom |
| Cost of Funds | 0.34% | 1.88% | -1.54% | 99th top |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.13% | 0.94% | +1.19% | 12th bottom |
| NPA / Total Assets | 1.75% | 0.70% | +1.05% | 9th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 66.56% | 1538.96% | -1472.40% | 17th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.64% | 7.33% | -0.69% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 26.77% | 12.14% | +14.63% | 98th top |
| Equity / Assets | 25.37% | 11.37% | +14.00% | 98th top |
| TCE / Tangible Assets | 25.37% | 11.09% | +14.28% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.16% | 80.64% | +10.52% | 26th below |
| Core Deposit Ratio | 96.30% | 86.86% | +9.44% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.27% | 6.85% | -1.58% | 57th above |
| Loan Growth (Y/Y) | 2.53% | 7.90% | -5.37% | 34th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.41% | 6.29% | -0.88% | 60th above |
See The Putnam County National Bank of Carmel's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Putnam County National Bank of Carmel, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Putnam County National Bank of Carmel profile, how to read a UBPR, or how this data updates.