Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Putnam Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	17764
Year Established	1888
Employees	140
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-6.73%
Return on Equity - YTD	-30.22%
Annual Interest Income	$11.4MM

Assets and Liabilities
Assets	Q1 2020vs Q1 2019	$1.33B$1.24B
Loans	Q1 2020vs Q1 2019	$847.2MM$704.1MM
Deposits	Q1 2020vs Q1 2019	$910.5MM$917.0MM
Equity Capital	Q1 2020vs Q1 2019	$288.1MM$289.1MM
Loan Loss Allowance	Q1 2020vs Q1 2019	$8.2MM$5.8MM
Unbacked Noncurrent Loans	Q1 2020vs Q1 2019	$9.6MM$5.0MM
Real Estate Owned	Q1 2020vs Q1 2019	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Putnam Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	$10k	Success Saver
0.05%	$50	-	Passbook Savings
0.05%	$50	-	Statement Savings
0.05%	-	-	Vacation Club
0.05%	-	-	Christmas Club
0.05%	$50	-	IRA Statement Savings

Putnam Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	Prestige Money Market
OTHER TIERS: 0.05% → $1k - $15k \| 0.10% → $15k - $25k \| 0.15% → $25k - $50k

Putnam Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	$10k	Success Checking
0.40%^*	$10k^*	$50k	Premier Relationship Account
OTHER TIERS: 0.20% → $50k+
0.15%^*	$100k^*	-	501 Smart Choice Checking
OTHER TIERS: 0.03% → $10k - $25k \| 0.07% → $25k - $50k \| 0.12% → $50k - $100k

Putnam Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$500	-	5 Year CD
0.70%	$500	-	4 Year CD
0.65%	$500	-	3 Year CD
0.60%	$1k	-	91 Day CD
0.55%	$500	-	2 Year CD
0.50%	$1k	-	18 Month CD
0.45%	$500	-	1 Year CD
0.35%	$1k	-	6 Month CD
0.35%	$1k	-	9 Month CD

Putnam Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$250	-	5 Year IRA
0.70%	$250	-	4 Year IRA
0.65%	$250	-	3 Year IRA
0.55%	$1k	-	18 Month IRA
0.50%	$250	-	2 Year IRA
0.45%	$250	-	1 Year IRA
0.35%	$250	-	6 Month IRA

Locations

Putnam Bank Locations
Pomfret Branch	100 Averill Road	Pomfret Center, CT 06259
Plainfield Branch	11 Pratt Road	Plainfield, CT 06374
Danielson Branch	125 Wauregan Road, Route 12	Danielson, CT 06239
Branch 22	2 Chapman Lane	Gales Ferry, CT 06335
Price Chopper Branch	251 Kennedy Drive	Putnam, CT 06260
Norwich Branch	40 High Street	Norwich, CT 06360
Putnam Bank	40 Main Street	Putnam, CT 06260
Griswold Branch	461 Voluntown Road, Route 138	Griswold, CT 06351
Warwick Branch	578 Greenwich Ave	Warwick, RI 02886

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