CITIZENS NATIONAL BANK OF HAMMOND, THE is an 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%. CET1 capital ratio: 15.45%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 6.68%. Operates 2 domestic branches.
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