The Citizens National Bank of Hammond: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 8.5% lower than in Q1 2026, at $1.4M. The Citizens National Bank of Hammond ranks 58th of 82 New York banks on CET1 ratio, in the lower half at 13.85% (Q2 2026). The Citizens National Bank of Hammond reported 13.85% on CET1 ratio for Q2 2026, 5.71 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.85% |
| Tier 1 risk-based capital ratio | 13.85% |
| Total risk-based capital ratio | 14.60% |
| Tier 1 leverage ratio | 7.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.0M |
| Tier 1 capital | $2.0M |
| Total risk-based capital | $2.1M |
| Total equity capital | $1.8M |
| Risk-weighted assets | $14.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
| Equity capital to average assets | 7.34% |
| Internal capital growth rate | -25.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $159K |
| Common stock surplus | $479K |
| Retained earnings | $1.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$147K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.19% | 16.19% | 16.93% | 8.97% | $15.8M |
| Q4 2023 | 16.01% | 16.01% | 16.79% | 8.89% | $15.8M |
| Q1 2024 | 15.90% | 15.90% | 16.70% | 8.93% | $16.1M |
| Q2 2024 | 16.26% | 16.26% | 17.11% | 9.11% | $15.9M |
| Q3 2024 | 16.59% | 16.59% | 17.46% | 9.53% | $15.6M |
| Q4 2024 | 16.78% | 16.78% | 17.70% | 8.51% | $15.4M |
| Q1 2025 | 17.03% | 17.03% | 17.93% | 8.32% | $14.9M |
| Q2 2025 | 15.95% | 15.95% | 16.87% | 8.49% | $15.0M |
| Q3 2025 | 16.15% | 16.15% | 17.08% | 8.60% | $14.5M |
| Q4 2025 | 15.45% | 15.45% | 16.29% | 8.46% | $14.4M |
| Q1 2026 | 14.91% | 14.91% | 15.75% | 8.55% | $14.2M |
| Q2 2026 | 13.85% | 13.85% | 14.60% | 7.92% | $14.4M |
The Citizens National Bank of Hammond regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hammond, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens National Bank of Hammond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14820) · FFIEC NIC profile (RSSD 855303)