TellerScore

Side-by-side · Q2 2026 data

The Putnam County National Bank of Carmel vs Maple City Savings Bank, FSB

Bank

The Putnam County National Bank of Carmel

Carmel, New York · $100 million – $1 billion

83of 100
Strong

Bank

Maple City Savings Bank, FSB

Hornell, New York · $100 million – $1 billion

55of 100
Moderate

Metric by metric

MeasureThe Putnam County National Bank of CarmelMaple City Savings Bank, FSB
TellerScore83 (stronger)55
Capital cushion100 (stronger)45
Loan quality84 (stronger)52
Earnings72 (stronger)46
Funding & liquidity5279 (stronger)
Problem-loan coverage95 (stronger)78
Peer percentile84th11th
Total assets$182.7M$121.8M
Deposits / shares$135.2M$108.4M
Capital ratio26.77% (stronger)9.46%
Problem loans0.48% (stronger)1.44%
Net charge-offs-0.00% (stronger)0.07%
Return on assets1.31% (stronger)0.65%
Loans ÷ deposits89.9%81.6% (stronger)
Uninsured deposits31.7%6.0% (stronger)
Offices62
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

The Putnam County National Bank of Carmel has the higher TellerScore (83 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 5 and Maple City Savings Bank, FSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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