The Citizens National Bank of Hammond: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens National Bank of Hammond of Hammond, NY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -2.02% | 3.14% | -5.16% | 5th bottom |
| ROAE | -26.58% | 10.44% | -37.02% | 3rd bottom |
| Net Interest Margin | 4.51% | 3.93% | +0.58% | 75th top |
| Efficiency Ratio | 145.85% | 76.26% | +69.59% | 5th bottom |
| PPNR / Avg Assets | -2.02% | 1.40% | -3.42% | 3rd bottom |
| Yield on Earning Assets | 5.53% | 5.35% | +0.18% | 63rd above |
| Cost of Funds | 1.11% | 1.71% | -0.60% | 73rd above |
| Net Interest Spread | 3.85% | 3.31% | +0.54% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 1.34% | -0.54% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.71% | -0.04% | 26th below |
| NCO / Avg Loans | 0.24% | 0.10% | +0.14% | 9th bottom |
| ACL / Total Loans | 0.54% | 1.49% | -0.95% | 4th bottom |
| ACL / NPLs (Coverage) | 67.50% | 864.92% | -797.42% | 28th below |
| Texas Ratio | 12.93% | 8.25% | +4.68% | 15th bottom |
| Provision / NCO | 0.00% | 314.89% | -314.89% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.85% | 61.93% | -48.08% | 15th bottom |
| Tier 1 Ratio | 13.85% | 61.93% | -48.08% | 15th bottom |
| Total Capital Ratio | 14.60% | 62.90% | -48.30% | 14th bottom |
| Leverage Ratio | 7.92% | 17.61% | -9.69% | 3rd bottom |
| Equity / Assets | 7.73% | 16.43% | -8.70% | 8th bottom |
| TCE / Tangible Assets | 7.73% | 16.18% | -8.45% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.83% | 72.82% | +18.01% | 18th bottom |
| Core Deposit Ratio | 93.48% | 88.21% | +5.27% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.59% | 4.31% | -13.90% | 5th bottom |
| Loan Growth (Y/Y) | -2.17% | 6.73% | -8.90% | 31st below |
| Deposit Growth (Y/Y) | -8.76% | 3.78% | -12.54% | 6th bottom |
See The Citizens National Bank of Hammond's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of Hammond, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens National Bank of Hammond profile, how to read a UBPR, or how this data updates.