Side-by-side · Q2 2026 data
The Putnam County National Bank of Carmel vs WSB Municipal Bank
Metric by metric
| Measure | The Putnam County National Bank of Carmel | WSB Municipal Bank |
|---|---|---|
| TellerScore | 83 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 52 (stronger) | 50 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 84th | 98th |
| Total assets | $182.7M | $152.3M |
| Deposits / shares | $135.2M | $98.5M |
| Capital ratio | 26.77% (stronger) | 15.23% |
| Problem loans | 0.48% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.31% | 2.37% (stronger) |
| Loans ÷ deposits | 89.9% | 0.0% (stronger) |
| Uninsured deposits | 31.7% (stronger) | 71.6% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
WSB Municipal Bank has the higher TellerScore (93 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Putnam County National Bank of Carmel leads on 3 and WSB Municipal Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.