Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs First Federal Savings of Middletown
Metric by metric
| Measure | The Putnam County National Bank of Carmel | First Federal Savings of Middletown |
|---|---|---|
| TellerScore | 83 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 72 | 94 (stronger) |
| Funding & liquidity | 52 (stronger) | 37 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 84th | 94th |
| Total assets | $182.7M | $188.0M |
| Deposits / shares | $135.2M | $112.3M |
| Capital ratio | 26.77% | 36.94% (stronger) |
| Problem loans | 0.48% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.46% |
| Return on assets | 1.31% | 1.86% (stronger) |
| Loans ÷ deposits | 89.9% (stronger) | 132.6% |
| Uninsured deposits | 31.7% | 26.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings of Middletown has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 2 and First Federal Savings of Middletown on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.