The Citizens National Bank of Hammond
The Citizens National Bank of Hammond is an FDIC-insured commercial bank headquartered in Hammond, NY, supervised by the OCC, with $23.9M in total assets at Q2 2026, down 9.6% from Q2 2025, the 104th largest of 105 banks headquartered in New York. It was established in 1913 and holds FDIC certificate 14820. Its CET1 capital ratio was 13.85% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as CNB of Hammond
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14820
- Headquarters
- Hammond, NY
- Established
- 1913
- Total assets, Q2 2026
- $23.9M
- Assets vs Q2 2025
- -9.6%
- CET1 ratio, Q2 2026
- 13.85%
- Domestic offices
- 2 · The Citizens National Bank of Hammond branches FDIC institution directory, current count
- Routing number
- 021309201
- Safety and soundness
- Is The Citizens National Bank of Hammond safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens National Bank of Hammond call report
- Asset rank in state
- 104th of 105 in New York
Problem loans are rising at The Citizens National Bank of Hammond. Based in Hammond, New York, it had $24 million in assets at June 30, 2026, down 9.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.27% of loans from 0.63% a year earlier. It loses about $2.02 a year on every $100 of assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median $1.04). It also spends about 146 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $127,000 in the quarter. Over the same year, loans shrank 2.2% and deposits shrank 8.8%. Where it has less room is capital: it funds 7.92% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 12.81%).
As of June 30, 2026, The Citizens National Bank of Hammond reported a CET1 capital ratio of 13.85%, a return on assets of -2.02%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 12.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens National Bank of Hammond is the 104th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets fell 4.5% to $23.9M, loans rose 1.9% and deposits fell 4.3%. 1-4 family residential loans made up 61.4% of its total loans on June 30, 2026, its largest category; next came auto loans at 15.2%. Its 2 offices in the FDIC Summary of Deposits are in Hammond, NY and Morristown, NY; its Hammond office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens National Bank of Hammond meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19 Main St, Hammond, NY 13646
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $22.0M
- Allowance for credit losses
- $108K
- Net charge-offs (YTD)
- $13K
- Average total assets
- $25.2M
- Average total loans
- $19.9M
- Average interest-bearing deposits
- $14.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 15, 1934
- FDIC Cert
- 14820
- Fed RSSD
- 855303
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Citizens National Bank of Hammond's total assets ranged from $23.9M (Q2 2026) to $30.1M (Q4 2024), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$23.9M total assets against $26.4M; $22.0M total liabilities against $24.2M.
$19.9M net loans and leases against $20.3M; $22.0M total deposits against $24.1M.
$1.8M securities against $3.0M; $1.7M cash and balances due against $2.6M.
$334K total interest income against $357K; $62K total interest expense against $86K.
$272K net interest income against $271K.
$5K total noninterest income against $6K; $404K total noninterest expense against $427K.
$0 provision for credit losses against $4K.
-$127K net income against -$154K.
-2.02% return on assets against -2.19%; 4.51% net interest margin against 4.03%.
13.85% CET1 capital ratio against 15.95%; 7.92% tier 1 leverage ratio against 8.49%.
Inside the full The Citizens National Bank of Hammond terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.19% (Q2 2025) to 0.38% (Q4 2024) and its net interest margin ran from 3.49% (Q3 2024) to 4.51% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.85% | -2.02% | 1.27% | 12.93% | 4.51% |
| Q1 2026 | 14.91% | -1.65% | 1.19% | 11.17% | 4.39% |
| Q4 2025 | 15.45% | -1.81% | 1.12% | 9.98% | 4.45% |
| Q3 2025 | 16.15% | -0.69% | 0.65% | 5.56% | 4.12% |
| Q2 2025 | 15.95% | -2.19% | 0.63% | 5.45% | 4.03% |
| Q1 2025 | 17.03% | -0.17% | 0.60% | 4.93% | 3.62% |
| Q4 2024 | 16.78% | 0.38% | 1.38% | 11.77% | 3.58% |
| Q3 2024 | 16.59% | 0.00% | 0.01% | 0.12% | 3.49% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Hammond | Hammond , NY | 13646 | $17.3M |
| Cnb Morristown Branch | Morristown , NY | 13664 | $4.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 12 against individuals associated with it
- November 20, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citizens National Bank Of Hammond
- Period: Most recent institution action November 20, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 169 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens National Bank of Hammond
What are The Citizens National Bank of Hammond's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Hammond reported total assets of $23.9 million in its FFIEC call report.
Where is The Citizens National Bank of Hammond headquartered?
It is headquartered in Hammond, NY, United States.
When was The Citizens National Bank of Hammond founded?
It was established in 1913, per the FDIC institution directory.
Is The Citizens National Bank of Hammond FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Hammond?
The Citizens National Bank of Hammond's primary federal regulator is the OCC.
What is The Citizens National Bank of Hammond's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.85% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Hammond operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Hammond's Texas Ratio?
Its Texas Ratio is 12.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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