Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs Bank of Richmondville
Metric by metric
| Measure | The Putnam County National Bank of Carmel | Bank of Richmondville |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 84 | 94 (stronger) |
| Earnings | 72 (stronger) | 48 |
| Funding & liquidity | 52 | 99 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 84th | 68th |
| Total assets | $182.7M | $185.9M |
| Deposits / shares | $135.2M | $166.4M |
| Capital ratio | 26.77% (stronger) | 11.54% |
| Problem loans | 0.48% | 0.18% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.31% (stronger) | 0.70% |
| Loans ÷ deposits | 89.9% | 50.1% (stronger) |
| Uninsured deposits | 31.7% | 16.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
The Putnam County National Bank of Carmel has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 4 and Bank of Richmondville on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.