Side-by-side · Q2 2026 data
Bank of Cattaraugus vs The Citizens National Bank of Hammond
Bank
The Citizens National Bank of Hammond
Hammond, New York · Under $100 million in assets
Metric by metric
| Measure | Bank of Cattaraugus | The Citizens National Bank of Hammond |
|---|---|---|
| TellerScore | 67 (stronger) | 41 |
| Capital cushion | 53 (stronger) | 29 |
| Loan quality | 61 (stronger) | 58 |
| Earnings | 64 (stronger) | 0 |
| Funding & liquidity | 94 (stronger) | 70 |
| Problem-loan coverage | 86 (stronger) | 74 |
| Peer percentile | 30th | 4th |
| Total assets | $31.0M | $23.9M |
| Deposits / shares | $27.4M | $22.0M |
| Capital ratio | 10.32% (stronger) | 7.92% |
| Problem loans | 1.16% (stronger) | 1.27% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.10% (stronger) | -1.84% |
| Loans ÷ deposits | 64.0% (stronger) | 90.3% |
| Uninsured deposits | 16.8% | 4.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Cattaraugus has the higher TellerScore (67 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Bank of Cattaraugus leads on 6 and The Citizens National Bank of Hammond on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.