The Putnam County National Bank of Carmel: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.35 percentage points to 4.23%. Within New York, The Putnam County National Bank of Carmel is 24th of 105 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Putnam County National Bank of Carmel sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 5.05% |
| Yield on securities | 1.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.34% |
| Cost of interest-bearing deposits | 0.69% |
| Cost of interest-bearing liabilities | 0.69% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $133K |
| Interest expense on deposits | $133K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.16% | 0.05% | 4.11% | 4.30% | 1.48% |
| Q4 2023 | 4.45% | 0.17% | 4.29% | 4.35% | 1.51% |
| Q1 2024 | 4.32% | 0.24% | 4.10% | 4.47% | 1.50% |
| Q2 2024 | 4.48% | 0.26% | 4.23% | 4.56% | 1.51% |
| Q3 2024 | 4.34% | 0.27% | 4.09% | 4.59% | 1.51% |
| Q4 2024 | 4.44% | 0.31% | 4.16% | 4.62% | 1.50% |
| Q1 2025 | 4.25% | 0.32% | 3.95% | 4.66% | 1.49% |
| Q2 2025 | 4.43% | 0.36% | 4.09% | 4.71% | 1.51% |
| Q3 2025 | 4.34% | 0.37% | 4.00% | 4.80% | 1.50% |
| Q4 2025 | 5.51% | 0.38% | 5.16% | 6.36% | 1.49% |
| Q1 2026 | 4.20% | 0.35% | 3.88% | 4.78% | 1.50% |
| Q2 2026 | 4.55% | 0.34% | 4.23% | 5.05% | 1.48% |
The Putnam County National Bank of Carmel yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Putnam County National Bank of Carmel, freeSource: Call Report Schedules RI and RC-K, 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)