Side-by-side · Q2 2026 data
The Citizens National Bank of Hammond vs Metropolitan Bank and Trust Company
Bank
The Citizens National Bank of Hammond
Hammond, New York · Under $100 million in assets
Bank
Metropolitan Bank and Trust Company
New York, New York · Under $100 million in assets
Metric by metric
| Measure | The Citizens National Bank of Hammond | Metropolitan Bank and Trust Company |
|---|---|---|
| TellerScore | 41 | 48 (stronger) |
| Capital cushion | 29 (stronger) | 0 |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 0 | 20 (stronger) |
| Funding & liquidity | 70 | 93 (stronger) |
| Problem-loan coverage | 74 | — |
| Peer percentile | 4th | 8th |
| Total assets | $23.9M | $32.0M |
| Deposits / shares | $22.0M | $8.7M |
| Capital ratio | 7.92% (stronger) | 0.00% |
| Problem loans | 1.27% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | -1.84% | 0.00% (stronger) |
| Loans ÷ deposits | 90.3% | 63.4% (stronger) |
| Uninsured deposits | 4.8% (stronger) | 18.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Metropolitan Bank and Trust Company has the higher TellerScore (48 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Hammond leads on 2 and Metropolitan Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.