The Citizens National Bank of Hammond: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.52 percentage points higher than in Q1 2026, at 90.83%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.0M |
| Net loans and leases | $19.9M |
| Loans held for sale | $0 |
| Loans to total assets | 83.62% |
| Loan-to-deposit ratio | 90.83% |
| Net loans to equity capital | 10.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.40% |
| Consumer | 28.10% |
| Credit cards | 0.00% |
| Farm | 0.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.06% |
| Interest income on loans | $301K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.1M | $26.1M | 2.63% | 9.18% | 28.85% |
| Q4 2023 | $20.9M | $25.1M | 3.19% | 9.31% | 28.43% |
| Q1 2024 | $21.5M | $26.1M | 3.05% | 8.66% | 29.50% |
| Q2 2024 | $21.4M | $24.0M | 3.01% | 7.73% | 29.83% |
| Q3 2024 | $21.1M | $25.5M | 2.99% | 7.39% | 29.99% |
| Q4 2024 | $21.1M | $27.5M | 3.09% | 7.61% | 28.02% |
| Q1 2025 | $20.6M | $26.3M | 3.11% | 7.23% | 27.76% |
| Q2 2025 | $20.4M | $24.1M | 3.07% | 6.57% | 28.28% |
| Q3 2025 | $20.0M | $25.5M | 2.48% | 6.73% | 28.55% |
| Q4 2025 | $19.8M | $23.5M | 2.34% | 6.44% | 29.47% |
| Q1 2026 | $19.6M | $23.0M | 2.31% | 6.26% | 29.26% |
| Q2 2026 | $20.0M | $22.0M | 2.21% | 7.40% | 28.10% |
The Citizens National Bank of Hammond loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hammond, freeSource: Call Report Schedule RC-C, 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)