Total Assets
$26M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$23M
Customer-funded liabilities
Net Loans
$20M
Outstanding loan book
Net Income
$-333K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.20%
Return on Equity (ROE)
-14.87%
Efficiency Ratio
137.57%
What the numbers say about The Citizens National Bank of Hammond
The Citizens National Bank of Hammond is an FDIC-insured institution (Certificate #14820) headquartered in Hammond, New York, established in 1913. It holds $26M in total assets - 4,259th of 4,313 FDIC-insured banks, $23M in customer deposits, and $20M in net loans. On safety, its Tier 1 capital ratio of 15.45% is above the 10% well-capitalized threshold, and its Texas Ratio of 9.98% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Citizens National Bank of Hammond ranks 117th of 120 banks based in New York -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in New York by total assets
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.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Citizens National Bank of Hammond's health grade?▼
The Citizens National Bank of Hammond receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Citizens National Bank of Hammond?▼
The Citizens National Bank of Hammond holds $26M in total assets and $23M in deposits, ranking 4,259th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hammond, New York.
Is my money safe at The Citizens National Bank of Hammond?▼
Yes, deposits at The Citizens National Bank of Hammond (Certificate #14820) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens National Bank of Hammond's Tier 1 Capital Ratio?▼
The Citizens National Bank of Hammond has a Tier 1 Capital Ratio of 15.45%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Citizens National Bank of Hammond?▼
The Citizens National Bank of Hammond has a Texas Ratio of 9.98%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens National Bank of Hammond?▼
The Citizens National Bank of Hammond has an Efficiency Ratio of 137.57%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens National Bank of Hammond's profile as a depositor or analyst.
- The Citizens National Bank of Hammond's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens National Bank of Hammond against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.