Strength & Stability

 

A Bank's "Capital Ratio" is a measure of a bank's financial strength and stability. To a consumer, the higher a bank's capital ratio is the safer your funds are at that institution. Banks with higher ratios can typically weather unexpected losses with less risk of becoming insolvent.

 

The Office of the Comptroller of the Currency (the "OCC" is an independent bureau within the US Department of Treasury that regulates and supervises all National banks), currently defines a "well capitalized bank" as having a Total Risk-Based Capital Ratio of at least 10%. As of September 2025, the Capital Ratio of Putnam County National Bank was 25.45%. This makes us one of the most well capitalized community banks in the country. 

 

 

• 5 Star rating from Bauer Financial for 20 consecutive quarters (as of June 2026)

  • Read the Media Release here