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The Citizens National Bank Of Hammond
Hammond, NY · FDIC Certificate #14820 · Chartered 01/0
Total assets
$23.90M
Total deposits
$22.00M
Total equity
$1.85M
Net loans
$19.87M
Branches (offices)
2
Net income (YTD)
-$229.00K
Rank: #4,172 of 4,213 U.S. banks by assets · #112 of 115 in New York. Assets changed -9.6% and deposits -8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.84% |
| Return on equity | -23.22% |
| Net interest margin (YTD) | 4.53% |
| Equity to assets | 7.73% |
| Tier 1 leverage ratio | 7.92% |
| Uninsured deposits (share of deposits) | 4.8% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 90.3% |
| Real estate loans (share of loans) | 64.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.81M | 64.5% | |
| Commercial & industrial | $1.48M | 7.4% | |
| Consumer / individual | $5.62M | 28.3% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $74.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $27.12M | $24.91M | $78.00K | $2.18M |
| Jun 2023 | $28.52M | $26.20M | $70.00K | $2.22M |
| Jun 2024 | $26.99M | $23.98M | $50.00K | $2.33M |
| Jun 2025 | $26.43M | $24.11M | -$167.00K | $2.21M |
| Jun 2026 | $23.90M | $22.00M | -$229.00K | $1.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $22.00M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $22.00M.
Similar-sized banks
Hart County Bank And Trust Company ($24.15M) · First State Bank Of Swanville ($23.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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