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 The Putnam County National Bank of Carmel
The Putnam County National Bank of Carmel
| RSSD ID 287007 | CERTIFICATE 6990 | ABA NUMBER 21906808 |
| 43 Gleneida Ave |
Quarter Ended : |
2025-12-31 |
| Carmel, New York, 10512 |
Updated : |
2026-01-23 |
| www.pcnb.biz |
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| Institution Profile |
| Year Opened : |
1865 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
6 |
Number of Employees : |
33 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 173,817 |
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Total Interest Income | 7,866 |
| Total Liabilities | 128,621 |
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Total NonInterest Income | 107 |
| Total Bank Equity Capital | 45,196 |
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Total Interest Expense | 561 |
| Total Deposits | 127,682 |
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Total NonInterest Expense | 4,740 |
| Net Loans & Leases | 115,535 |
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Net Income | 2,037 |
| Loan Loss Allowance | 1,945 |
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Net Charge Offs | (433) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 119,143 |
| Total assets for the leverage ratio | 172,350 |
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Loans secured by real estate: | 118,652 |
| Tier 1 Leverage Ratio | 25.96 |
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Commercial and industrial loans | 219 |
| Off Balance Sheet Exposures (%) | 1.67 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 259 |
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:· The Putnam County National Bank of Carmel
