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The Putnam County National Bank Of Carmel
Carmel, NY · FDIC Certificate #6990 · Chartered 01/0
Total assets
$182.71M
Total deposits
$135.23M
Total equity
$46.35M
Net loans
$121.54M
Branches (offices)
6
Net income (YTD)
$1.16M
Rank: #3,094 of 4,213 U.S. banks by assets · #103 of 115 in New York. Assets changed 5.3% and deposits 5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 5.05% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 25.37% |
| Tier 1 leverage ratio | 26.77% |
| Uninsured deposits (share of deposits) | 31.7% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 89.9% |
| Real estate loans (share of loans) | 101.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $122.97M | 101.2% | |
| Commercial & industrial | $143.00K | 0.1% | |
| Consumer / individual | $164.00K | 0.1% | |
| Construction & development | $786.00K | 0.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $192.75M | $153.38M | $461.00K | $37.82M |
| Jun 2023 | $177.81M | $136.56M | $1.08M | $39.57M |
| Jun 2024 | $169.48M | $125.84M | $1.11M | $42.00M |
| Jun 2025 | $173.57M | $128.29M | $930.00K | $43.87M |
| Jun 2026 | $182.71M | $135.23M | $1.16M | $46.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $135.23M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $135.23M.
Similar-sized banks
Ubank ($182.75M) · The Solomon State Bank ($182.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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