FDIC Cert #14820 · Hammond, New York · Est. 1913

The Citizens National Bank of Hammond - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$26M
Total assets
C
Health grade · Fair
-1.20%
Return on assets
15.5%
Tier 1 capital

Data updated July 2026

The verdict

The Citizens National Bank of Hammond earns a PlainBankData health grade of C (56/100), with well-capitalized at 15.45% Tier 1, -1.20% ROA, 138% efficiency ratio.

#4,259
largest of 4,313 FDIC banks by assets
1st
percentile by asset size, nationally
15.45%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 14820 · NY C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #4000/4307
  • PHOTO-FINISH Blue Sky Bank · OK
  • TIER1-WELL 15.5% Tier 1
  • TEXAS-CLEAN 10.0% Texas
  • ROA-LOSS -1.20% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Blue Sky Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Citizens National Bank of Hammond

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Blue Sky Bank · OK · near56/100MA Bank · MO · near56/100Riverwind Bank · AR · near56/100The Citizens Nationa… · NY ·…56/100United Citizens Bank… · KY ·…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens National Bank of Hammond · July 2026

What The Citizens National Bank of Hammond's Call Report plate shows

The Citizens National Bank of Hammond (FDIC Cert #14820) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,000 of 4,307. Tier 1 capital prints at 15.45%, clearing the 10% well-capitalized line. The Texas Ratio is 9.98%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.20%. Balance-sheet scale is $26M, 4,259th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Blue Sky Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Citizens National Bank of Hammond

6 FAILURE resolutions in New York since 2000 (5 since 2008)

The Citizens National Bank of Hammond's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Citizens National Bank of Hammond remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How The Citizens National Bank of Hammond's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
The Citizens National Bank of Hammond's composite health score
Tier 1 Capital Ratio (15.45%) 40/40
Return on Assets (ROA) (-1.20%) 0/25
Texas Ratio (9.98%) 16/20
Efficiency Ratio (137.57%) 0/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$26M

Total balance-sheet footings

Total Deposits

$23M

Customer-funded liabilities

Net Loans

$20M

Outstanding loan book

Net Income

$-333K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.05% 15.45% 16.85%
Basel III capital ratios - The Citizens National Bank of Hammond

Where The Citizens National Bank of Hammond ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens National Bank of Hammond's score of 56/100 falls in the highlighted band.

The Citizens National Bank of Hammond: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens National Bank of Hammond 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Citizens National Bank of Hammond's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens National Bank of Hammond's $26M falls in the highlighted band.

Safety ratios for The Citizens National Bank of Hammond

Tier 1 capital ratio
Well-capitalized 10%

15.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.45%
Texas Ratio
9.98%
Equity Capital
$2M

What these ratios mean →

Profitability metrics: The Citizens National Bank of Hammond

Return on Assets (ROA)
2nd percentile nationally
-1.20%
Return on Equity (ROE)
-14.87%
Efficiency Ratio
137.57%

What these mean →

Income & expense: loss period at The Citizens National Bank of Hammond

$1M
Interest Income
$32K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens National Bank of Hammond reports a Texas Ratio of 9.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at The Citizens National Bank of Hammond

The Citizens National Bank of Hammond's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-333K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Citizens National Bank of Hammond up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View The Citizens National Bank of Hammond on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($26M here), outside New York so the neighborhood is not state containment.

First State Bank in Temple $26M · OK Campus State Bank $26M · IL The First National Bank of Frederick $26M · SD Bank of Lumber City $25M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens National Bank of Hammond (FDIC Cert #14820) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Citizens National Bank of Hammond Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%