| Metric | Putnam County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +2.3% | +5.3% | -3.1 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 8.1% | 12.4% | -4.3 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $704.2M | $617.5M | $445.0M | $82.9M | $3.3M | 0.97% | 3.08% | 0.02% |
| Q1 2026 | $709.8M | $622.8M | $446.7M | $82.5M | $1.8M | 1.03% | 2.94% | 0.05% |
| Q4 2025 | $650.6M | $565.0M | $449.1M | $81.2M | $5.8M | 0.88% | 3.05% | 0.07% |
| Q3 2025 | $673.8M | $589.8M | $436.4M | $80.2M | $4.4M | 0.90% | 2.97% | 0.04% |
| Q2 2025 | $665.3M | $583.8M | $435.1M | $77.6M | $2.5M | 0.76% | 2.86% | 0.02% |
| Q1 2025 | $650.6M | $569.9M | $417.9M | $76.3M | $1.2M | 0.73% | 2.67% | 0.03% |
| Q4 2024 | $648.7M | $565.2M | $418.1M | $73.7M | $3.2M | 0.51% | 2.68% | 0.10% |
| Q3 2024 | $657.3M | $571.2M | $418.7M | $75.4M | $2.9M | 0.61% | 2.64% | 0.32% |
Loan mix (Q2 2026): real estate $430.6M · commercial $7.3M · consumer $3.3M · securities $158.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Putnam County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.4% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 61.2% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Putnam County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Putnam County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Putnam County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Putnam County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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