Bank Comparison
Andes State Bank vs The Citizens National Bank of Hammond
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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winning metrics across 16 scored rows
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Capital adequacy
| Metric | Andes State Bank | The Citizens National Bank of Hammond |
|---|---|---|
| CET1 Ratio | 31.43% | 13.85% |
| Tier 1 Capital Ratio | 31.43% | 13.85% |
| Total Capital Ratio | 32.69% | 14.60% |
| Tier 1 Leverage Ratio | 16.05% | 7.92% |
| Equity / Assets | 16.66% | 7.73% |
Profitability
| Metric | Andes State Bank | The Citizens National Bank of Hammond |
|---|---|---|
| Return on Assets (ROA) | 1.18% | -2.02% |
| Return on Equity (ROE) | 7.53% | -26.58% |
| Net Interest Margin (NIM) | 5.07% | 4.51% |
| Yield on Earning Assets | 5.76% | 5.53% |
| Cost of Funds | 0.71% | 1.11% |
Asset quality
| Metric | Andes State Bank | The Citizens National Bank of Hammond |
|---|---|---|
| Texas Ratio | 0.00% | 12.93% |
| Non-Performing Loan Ratio | 0.00% | 0.80% |
| Non-Performing Asset Ratio | 0.00% | 0.67% |
| Net Charge-Off Ratio | 0.00% | 0.24% |
| ACL / Loans | 2.48% | 0.54% |
Balance sheet
| Metric | Andes State Bank | The Citizens National Bank of Hammond |
|---|---|---|
| Total Assets | $23.8M | $23.9M |
| Total Deposits | $19.7M | $22.0M |
| Total Loans | $11.2M | $20.0M |
| Total Equity | $4.0M | $1.8M |
| Net Income (quarter) | $74K | ($127K) |
Liquidity & funding
| Metric | Andes State Bank | The Citizens National Bank of Hammond |
|---|---|---|
| Loan-to-Deposit Ratio | 56.78% | 90.83% |
| Core Deposit Ratio | 76.63% | 93.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Andes State Bank | The Citizens National Bank of Hammond |
|---|---|---|
| Headquarters City | Lake Andes | Hammond |
| Headquarters State | SD | NY |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 4 | 7 |
| Established | February 5, 1962 | January 1, 1913 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of September 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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