Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs Massena Savings and Loan
Metric by metric
| Measure | The Putnam County National Bank of Carmel | Massena Savings and Loan |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 84 (stronger) | 57 |
| Earnings | 72 (stronger) | 63 |
| Funding & liquidity | 52 (stronger) | 50 |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 84th | 53rd |
| Total assets | $182.7M | $199.9M |
| Deposits / shares | $135.2M | $148.2M |
| Capital ratio | 26.77% (stronger) | 15.15% |
| Problem loans | 0.48% (stronger) | 1.30% |
| Net charge-offs | -0.00% (stronger) | 0.11% |
| Return on assets | 1.31% (stronger) | 1.09% |
| Loans ÷ deposits | 89.9% (stronger) | 121.7% |
| Uninsured deposits | 31.7% | 12.8% (stronger) |
| Offices | 6 | 2 |
| 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 73). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 6 and Massena Savings and Loan on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.