CITIZENS NATIONAL BANK OF HAMMOND, THE

CITIZENS NATIONAL BANK OF HAMMOND, THE is amn micro FDIC-insured commercial bank headquartered in HAMMOND, NY, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $26M and total deposits of $23M. Profitability stands at -1.78% ROA and -22.14% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 15.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 6.68%. FDIC Certificate #14820.