BanksCITIZENS NATIONAL BANK OF HAMMOND, THE

CITIZENS NATIONAL BANK OF HAMMOND, THE

HAMMOND, NYMicroEst. Jan. 1, 1913, midnightFDIC #14820RSSD #855303OCC
Latest · 2025-12-31

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.

Assets
$26M
Deposits
$23M
Loans
$20M
Equity
$2M

Profitability

Return on Assets (ROA)-1.78%
Return on Equity (ROE)-22.14%
Net Interest Margin4.51%
Yield on Assets5.50%
Cost of Funds1.00%

Asset Quality

NPL Ratio0.75%
Net Charge-Off Ratio0.16%
Texas Ratio6.68%
NPA Ratio0.58%
ACL / Loans0.61%

Capital & Liquidity

CET1 Ratio15.45%
Tier 1 Capital15.45%
Total Capital Ratio16.29%
Leverage Ratio8.46%
Loan-to-Deposit84.30%

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