The Putnam County National Bank of Carmel: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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 16th of 105 on return on assets, 1.65% as of Q2 2026, above the middle of the field. The Putnam County National Bank of Carmel reported 1.65% on return on assets for Q2 2026, 0.39 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 26.77% |
| Equity capital to assets | 25.37% |
| Tangible equity to tangible assets | 25.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.13% |
| Non-performing assets ratio | 1.75% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 6.64% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 66.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 6.21% |
| Net interest margin | 4.23% |
| Efficiency ratio | 60.20% |
| Yield on earning assets | 4.55% |
| Cost of funds | 0.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.16% |
| Core deposits to total deposits | 96.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.01% |
| Securities to assets | 6.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 22.73% | 2.59% | 4.11% | 3.47% | -0.01% |
| Q4 2023 | 23.60% | 0.29% | 4.29% | 3.42% | 0.00% |
| Q1 2024 | 24.50% | 1.47% | 4.10% | 3.33% | -0.00% |
| Q2 2024 | 24.69% | 1.13% | 4.23% | 2.96% | -0.00% |
| Q3 2024 | 24.86% | 1.07% | 4.09% | 2.90% | -0.01% |
| Q4 2024 | 24.71% | 0.65% | 4.16% | 2.83% | -0.00% |
| Q1 2025 | 25.13% | 0.87% | 3.95% | 2.76% | -0.00% |
| Q2 2025 | 25.49% | 1.28% | 4.09% | 2.85% | -0.00% |
| Q3 2025 | 25.45% | 1.21% | 4.00% | 2.80% | -0.66% |
| Q4 2025 | 25.96% | 1.33% | 5.16% | 2.35% | -0.79% |
| Q1 2026 | 26.39% | 1.02% | 3.88% | 2.17% | 0.00% |
| Q2 2026 | 26.77% | 1.65% | 4.23% | 2.13% | -0.00% |
The Putnam County National Bank of Carmel vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Putnam County National Bank of Carmel, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)