Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs Fairfield County Bank
Metric by metric
| Measure | The Putnam County National Bank of Carmel | Fairfield County Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 84 | 98 (stronger) |
| Earnings | 72 (stronger) | 47 |
| Funding & liquidity | 52 (stronger) | 27 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 84th | 80th |
| Total assets | $182.7M | $1.9B |
| Deposits / shares | $135.2M | $1.5B |
| Capital ratio | 26.77% (stronger) | 14.32% |
| Problem loans | 0.48% | 0.05% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.31% (stronger) | 0.68% |
| Loans ÷ deposits | 89.9% (stronger) | 101.1% |
| Uninsured deposits | 31.7% (stronger) | 44.1% |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.1% |
The Putnam County National Bank of Carmel has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 5 and Fairfield County Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.