Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs Union Savings Bank
Metric by metric
| Measure | The Putnam County National Bank of Carmel | Union Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 72 (stronger) | 52 |
| Funding & liquidity | 52 | 59 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 84th | 63rd |
| Total assets | $182.7M | $3.3B |
| Deposits / shares | $135.2M | $2.5B |
| Capital ratio | 26.77% (stronger) | 11.48% |
| Problem loans | 0.48% | 0.29% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.31% (stronger) | 0.81% |
| Loans ÷ deposits | 89.9% (stronger) | 92.6% |
| Uninsured deposits | 31.7% | 22.7% (stronger) |
| Offices | 6 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.5% |
The Putnam County National Bank of Carmel has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 4 and Union Savings Bank on 3. 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.