The Citizens National Bank of Hammond: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Net loans and leases to deposits climbed 5.55 percentage points in Q2 2026, from 84.78% to 90.34%. It was the largest change from Q1 2026 among the key lines here. The Citizens National Bank of Hammond ranks 39th of 105 New York banks on loan-to-deposit ratio, in the upper half at 90.83% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Citizens National Bank of Hammond sits 23.20 points higher, at 90.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.83% |
| Net loans and leases to deposits | 90.34% |
| Loans and leases to core deposits | 97.16% |
| Core deposits to total deposits | 93.48% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 80.60% | 90.63% | $0 | $0 |
| Q4 2023 | 83.49% | 88.23% | $0 | $150K |
| Q1 2024 | 82.35% | 84.44% | $0 | $0 |
| Q2 2024 | 89.25% | 82.98% | $0 | $500K |
| Q3 2024 | 82.75% | 80.24% | $0 | $0 |
| Q4 2024 | 76.63% | 75.06% | $0 | $0 |
| Q1 2025 | 78.29% | 81.88% | $0 | $0 |
| Q2 2025 | 84.72% | 84.09% | $0 | $0 |
| Q3 2025 | 78.48% | 87.81% | $0 | $0 |
| Q4 2025 | 84.30% | 93.65% | $0 | $0 |
| Q1 2026 | 85.31% | 92.36% | $0 | $0 |
| Q2 2026 | 90.83% | 93.48% | $0 | $0 |
The Citizens National Bank of Hammond liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hammond, freeSource: Call Report Schedules RC and RC-M, 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)