Side-by-side · Q2 2026 data
The Citizens National Bank of Hammond vs Watertown Savings Bank
Bank
The Citizens National Bank of Hammond
Hammond, New York · Under $100 million in assets
Metric by metric
| Measure | The Citizens National Bank of Hammond | Watertown Savings Bank |
|---|---|---|
| TellerScore | 41 | 79 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 58 (stronger) | 35 |
| Earnings | 0 | 96 (stronger) |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 74 | 87 (stronger) |
| Peer percentile | 4th | 75th |
| Total assets | $23.9M | $971.0M |
| Deposits / shares | $22.0M | $784.3M |
| Capital ratio | 7.92% | 17.60% (stronger) |
| Problem loans | 1.27% (stronger) | 1.95% |
| Net charge-offs | 0.13% | 0.13% (stronger) |
| Return on assets | -1.84% | 1.90% (stronger) |
| Loans ÷ deposits | 90.3% | 74.8% (stronger) |
| Uninsured deposits | 4.8% (stronger) | 12.6% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Savings Bank has the higher TellerScore (79 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 Watertown Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.