BlastPoint's Banking Scorecard
The Putnam County National Bank of Carmel
Micro
Specialty: Commercial
NY
FDIC cert 6990
Designations: ✓ Community bank
Carmel, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The Putnam County National Bank of Carmel has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.77% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.8M
+1.2% YoY
-6.6% QoQ
|
-$43.7M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$115.5M
-2.5% YoY
-2.2% QoQ
|
-$23.6M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$127.7M
+0.0% YoY
-9.0% QoQ
|
-$56.0M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.16%
+8.1% YoY
+5.0% QoQ
|
+0.07% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
4.32%
+3.2% YoY
+7.6% QoQ
|
+0.46% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
63.95%
-3.6% YoY
+1.3% QoQ
|
-3.78% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.60%
+13.4% YoY
-42.7% QoQ
|
-0.04% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
90.49%
-2.5% YoY
+7.4% QoQ
|
+15.96% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
40.16%
+4.3% YoY
+12.6% QoQ
|
+17.77% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.73%
+4.4% YoY
-25.3% QoQ
|
+0.28% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
-71.6% YoY
+27.2% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.16%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.16% · Tier avg: 22.39%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
56
56th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.08%
56
56th pctile
Efficiency Ratio
Current: 63.95% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $115.5M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $173.8M · Tier avg: $217.5M
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
38
38th pctile
Total Deposits
Current: $127.7M · Tier avg: $183.7M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.49% · Tier avg: 74.53%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.49% · Tier avg: 74.53%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
38
38th pctile
Total Deposits
Current: $127.7M · Tier avg: $183.7M
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
44
44th pctile
Total Assets
Current: $173.8M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $115.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Efficiency Ratio
Current: 63.95% · Tier avg: 67.73%
56
56th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.08%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.16% · Tier avg: 22.39%