Headquartered in Hammond, New York, The Citizens National Bank of Hammond is a national bank with $23.9M in total assets and $22.0M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1913.
The Citizens National Bank of Hammond has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 546 banks with under $100 million in assets. Among 121 banks headquartered in New York, it ranks 112th. Problem-loan coverage contributes the most (74/100, 12.9%); earnings contributes the least (0/100, -1.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (51 → 41), mostly because the loan quality component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 66 |
| Q4 2024 | 50 |
| Q1 2025 | 54 |
| Q2 2025 | 51 |
| Q3 2025 | 52 |
| Q4 2025 | 46 |
| Q1 2026 | 45 |
| Q2 2026 | 41 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 9.53% |
| Q4 2024 | 8.51% |
| Q1 2025 | 8.32% |
| Q2 2025 | 8.49% |
| Q3 2025 | 8.60% |
| Q4 2025 | 8.46% |
| Q1 2026 | 8.55% |
| Q2 2026 | 7.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.01% |
| Q4 2024 | 1.38% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.65% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.28% |
| Q1 2025 | -0.18% |
| Q2 2025 | -1.17% |
| Q3 2025 | -1.01% |
| Q4 2025 | -1.20% |
| Q1 2026 | -1.61% |
| Q2 2026 | -1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $23.9M | 7.92% | 1.27% | -1.84% | 90.3% |
| Q1 2026 | 45 | $25.0M | 8.55% | 1.19% | -1.61% | 84.8% |
| Q4 2025 | 46 | $25.6M | 8.46% | 1.12% | -1.20% | 83.8% |
| Q3 2025 | 52 | $27.8M | 8.60% | 0.65% | -1.01% | 77.9% |
| Q2 2025 | 51 | $26.4M | 8.49% | 0.63% | -1.17% | 84.1% |
| Q1 2025 | 54 | $28.8M | 8.32% | 0.60% | -0.18% | 77.8% |
| Q4 2024 | 50 | $30.1M | 8.51% | 1.38% | 0.28% | 76.1% |
| Q3 2024 | 66 | $28.2M | 9.53% | 0.01% | 0.24% | 82.2% |
| Q2 2024 | 64 | $27.0M | 9.11% | 0.07% | 0.36% | 88.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CattaraugusBank Cattaraugus, NY | 67 out of 100, Moderate | $31.0M | 10.3% | 1.16% | vs |
| GS&L Municipal BankBank Gouverneur, NY | 92 out of 100, Very strong | $31.6M | 44.5% | 0.00% | vs |
| Metropolitan Bank and Trust CompanyBank New York, NY | 48 out of 100, Below average | $32.0M | 0.0% | 0.00% | vs |
| Emigrant Mercantile BankBank New York, NY | 80 out of 100, Strong | $3.5M | 85.7% | 0.00% | vs |
| Sunnyside Federal Savings and Loan Association of IrvingtonBank Irvington, NY | 70 out of 100, Strong | $82.3M | 12.3% | 0.18% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of Hammond?
Yes. The Citizens National Bank of Hammond is an FDIC-insured institution (FDIC certificate #14820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.8% of deposits ($1.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.60% (benchmark: 10%).
2 locations
Branches
The Citizens National Bank of Hammond lists 2 offices in 2 cities. Most locations:
- Hammond, NY (1)
- Morristown, NY (1)
Identity & history
Profile
- Legal name
- The Citizens National Bank of Hammond
- Type
- National bank
- FDIC certificate #
- 14820
- RSSD ID
- 855303
- Primary regulator
- OCC
- Established
- January 1, 1913
- Headquarters
- 19 Main St, Hammond, NY 13646
- Employees
- 7
Quick answers
The Citizens National Bank of Hammond: common questions
Is The Citizens National Bank of Hammond FDIC insured?
Yes. The Citizens National Bank of Hammond is an FDIC-insured institution (FDIC certificate #14820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of Hammond's TellerScore?
41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens National Bank of Hammond ever failed?
There is no failure record for FDIC certificate #14820 in the FDIC failed bank list.
How many branches does The Citizens National Bank of Hammond have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hammond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| GS&L Municipal BankBank Gouverneur, NY | 92 out of 100, Very strong | $31.6M | 44.5% | 0.00% | vs |
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| Watertown Savings BankBank Watertown, NY | 79 out of 100, Strong | $971.0M | 17.6% | 1.95% | vs |
| The North Country Savings BankBank Canton, NY | 78 out of 100, Strong | $373.5M | 14.5% | 0.82% | vs |
| Ed-Med Federal Credit UnionCredit union Ogdensburg, NY | 76 out of 100, Strong | $34.7M | 12.5% | 1.08% | vs |
| Gouverneur Savings and Loan AssociationBank Gouverneur, NY | 74 out of 100, Strong | $198.9M | 14.5% | 1.00% | vs |