BlastPoint's Banking Scorecard
The Citizens National Bank of Hammond
Designations: ✓ Community bank
Hammond, NY
2 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 5 in NY.
- Deposits -8.8% year over year ($22.0M on the books).
- Delinquency rate 1.27%.
- Return on assets -1.84%.
- Efficiency ratio 142.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 90.34% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens National Bank of Hammond has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.84% below tier average
- - Efficiency Ratio 22.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.9M
-9.6% YoY
-4.5% QoQ
|
-$38.5M |
$62.4M
-0.0% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.1% in tier |
| Total Loans ? |
$19.9M
-2.0% YoY
+2.0% QoQ
|
-$15.0M |
$34.9M
-0.6% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$22.0M
-8.8% YoY
-4.3% QoQ
|
-$29.6M |
$51.6M
-0.2% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.1% in tier |
| Return on Assets ? |
-1.84%
-56.9% YoY
-14.4% QoQ
|
-2.84% |
1.00%
+3.5% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.7% in tier |
| Net Interest Margin ? |
4.53%
+14.3% YoY
+4.3% QoQ
|
+0.62% |
3.91%
+2.3% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
142.25%
+10.5% YoY
+2.7% QoQ
|
+22.86% |
119.40%
+49.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate ? |
1.27%
+101.8% YoY
+6.0% QoQ
|
-0.21% |
1.48%
+31.8% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
90.34%
+7.4% YoY
+6.5% QoQ
|
+16.13% |
74.21%
+12.6% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
36.60%
+20.5% YoY
+14.8% QoQ
|
+13.11% |
23.49%
+0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Top 12.3% in tier |
| Nonperforming Asset Ratio ? |
1.06%
+118.6% YoY
+13.2% QoQ
|
+0.22% |
0.84%
+23.0% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.85%
-13.2% YoY
-7.1% QoQ
|
-13.27% |
27.13%
+3.0% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.05%
+10.6% YoY
+91.9% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.6%
+6.2pp YoY +4.7pp QoQ |
+12.0pp | 24.6% | 22.1% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
+0.8pp YoY +1.1pp QoQ |
-6.0pp | 13.4% | 11.0% | 12.5% | 36% |
| CRE | n/a | n/a | 25.2% | 46.2% | 41.4% | n/a |
| 1-4 Family |
61.7%
+0.2pp YoY +0.1pp QoQ |
+26.8pp | 35.0% | 36.6% | 31.3% | 81% |
| Consumer |
28.3%
-0.2pp YoY -1.2pp QoQ |
+20.6pp | 7.7% | 5.1% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
-2.1pp YoY -1.1pp QoQ |
-24.8pp | 38.7% | 26.1% | 19.7% | 14% |
| Leverage Ratio |
7.9%
-0.6pp YoY -0.6pp QoQ |
-9.8pp | 17.7% | 13.9% | 12.6% | 2% |
| Total Capital Ratio |
14.6%
-2.3pp YoY -1.2pp QoQ |
-25.1pp | 39.7% | 27.2% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 914 | 482 | 20% |
| Assets per Employee ($) |
$3.4M
-9.6% YoY -4.5% QoQ |
-$2.8M | $6.2M | $14.8M | $8.8M | 12% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 27 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
+0.4pp YoY +0.2pp QoQ |
-0.5pp | 1.0% | 0.1% | 0.4% | 50% |
| Nonaccrual |
0.8%
+0.3pp YoY -0.1pp QoQ |
-0.9pp | 1.7% | 1.3% | 1.0% | 52% |
| Allowance Coverage |
0.43x
-60.4% YoY -16.8% QoQ |
-5.98x | 6.41x | 1.92x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-23.2%
-8.7pp YoY -3.2pp QoQ |
-29.6pp | 6.4% | 7.9% | 11.6% | 3% |
| Cost of Funds (YTD) |
1.0%
-0.4pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.8% | 1.7% | 29% |
| Net Income ($, YTD) |
$-229000.0
-37.1% YoY — QoQ |
-$547K | $317,817 | $111.2M | $40.4M | 6% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.