Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs Newtown Savings Bank
Metric by metric
| Measure | The Putnam County National Bank of Carmel | Newtown Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 84 | 88 (stronger) |
| Earnings | 72 (stronger) | 50 |
| Funding & liquidity | 52 | 64 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 84th | 36th |
| Total assets | $182.7M | $1.9B |
| Deposits / shares | $135.2M | $1.6B |
| Capital ratio | 26.77% (stronger) | 9.48% |
| Problem loans | 0.48% | 0.37% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.31% (stronger) | 0.75% |
| Loans ÷ deposits | 89.9% (stronger) | 96.1% |
| Uninsured deposits | 31.7% | 14.5% (stronger) |
| Offices | 6 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.4% |
The Putnam County National Bank of Carmel has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 5 and Newtown Savings 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.