The Putnam County National Bank of Carmel
Carmel, NY
IDRSSD: 287007
Total Assets
$173.82M
Latest filing
Total Deposits
$127.68M
Latest filing
Net Interest Margin
5.07%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Putnam County National Bank of Carmel
43 Gleneida Ave
Carmel, NY 10512
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1865FDIC Certificate 4680
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Putnam County National Bank of Carmel (Main) | 43 Gleneida Ave | Carmel, NY |
| LAKE CARMEL OFFICE | 497 Route 52 | Carmel, NY |
| PUTNAM PLAZA OFFICE | 1872 Route 6 | Carmel, NY |
| CROTON FALLS OFFICE | 12 Front St | Croton Falls, NY |
| PATTERSON OFFICE | 3061 Route 22 | Patterson, NY |
| PUTNAM LAKE OFFICE | 89 Haviland Dr | Patterson, NY |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1865 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 10512 |
| State and County Number | 36079 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pcnb.biz |
| Data Updated | 01/30/2026 |
| CERT | 6990 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $173.82M |
| Total Deposits | $127.68M |
| Total Liabilities | $128.62M |
| Total Equity Capital | $45.20M |
| Net Income | $578.00k |
| Net Loans and Leases | $115.53M |
| Assets Per Employee ($Millions) | $5.27M |
| Bank Premises and Fixed Assets | $1.18M |
| Cash and Balances due from Depository Institutions | $40.30M |
| Deposits Held in Domestic Offices | $127.68M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 5.16% |
| Net Interest Margin | 5.07% |
| Efficiency Ratio | 65.87% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 26.002% |
| Earning Assets to total Assets | 96.27% |
Income and Expense
| Total Interest Income | $2.35M |
| Total Noninterest Income | $17.00k |
| Total Interest Expense | $149.00k |
| Total Noninterest Expense | $1.46M |
| Net Interest Income | $2.20M |
| Pre-tax Net Operating Income | $756.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $569.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $939.00k |
| Total Liabilities and Capital | $173.82M |
Securities
| Securities | $13.47M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $13.47M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Putnam County National Bank of Carmel?
$173.82M as of the latest filing.
How much are The Putnam County National Bank of Carmel's total deposits?
$127.68M in total deposits.
Where is The Putnam County National Bank of Carmel located?
Carmel, NY.
What is the Net Interest Margin?
5.07%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1865.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$115.53M (latest filing).
What is the total interest income (latest filing)?
$2.35M.