BlastPoint's Banking Scorecard

The Citizens National Bank of Hammond

under $100M Specialty: Mortgage NY FDIC cert 14820

Designations: ✓ Community bank

Hammond, NY

2 branches across NY

541 banks in the under $100M peer group nationally 5 in NY

The Citizens National Bank of Hammond has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.48% above tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.45% below tier average
- Efficiency Ratio 50.15% above tier average

Get updates when The Citizens National Bank of Hammond releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$25.0M -13.1% YoY -2.4% QoQ	-$37.1M	$62.2M -0.6% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Bottom 7.8% in tier
Total Loans ?	$19.5M -4.7% YoY -1.0% QoQ	-$14.8M	$34.2M -1.4% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$23.0M -12.6% YoY -2.1% QoQ	-$28.8M	$51.7M -0.7% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Bottom 12.9% in tier
Return on Assets ?	-1.61% -812.0% YoY -34.3% QoQ	-2.45%	0.84% -2.3% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 5.9% in tier
Net Interest Margin ?	4.34% +15.2% YoY +6.0% QoQ	+0.48%	3.86% +2.8% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	138.49% +35.0% YoY +0.7% QoQ	+50.15%	88.34% +0.3% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 5.0% in tier
Delinquency Rate ?	1.20% +99.7% YoY +6.9% QoQ	-0.17%	1.37% +33.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	84.78% +9.0% YoY +1.2% QoQ	+20.57%	64.22% -0.7% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	31.90% +19.7% YoY -9.2% QoQ	+8.18%	23.71% +0.3% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.94% +119.0% YoY +8.4% QoQ	+0.15%	0.79% +28.2% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	14.91% -12.5% YoY -3.5% QoQ	-11.77%	26.68% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.02% +38.1% YoY -80.8% QoQ	-0.64%	0.67% +1.9% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	18%

Get Full Access to The Citizens National Bank of Hammond

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

121

Non-Interest-Bearing Deposit Share

funding

Value: 31.90%

Peer Median: 23.71%

#121 of 541 Top 22.2% in under $100M

Top Weaknesses (7 metrics)

515

Efficiency Ratio

profitability

Value: 138.49%

Peer Median: 88.34%

#515 of 541 Bottom 5.0% in under $100M

510

Return on Assets

profitability

Value: -1.61%

Peer Median: 0.84%

#510 of 541 Bottom 5.9% in under $100M

500

Total Assets

size

Value: $25.01M

Peer Median: $62.16M

#500 of 541 Bottom 7.8% in under $100M

472

Total Deposits

size

Value: $22.98M

Peer Median: $51.74M

#472 of 541 Bottom 12.9% in under $100M

444

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#444 of 541 Bottom 18.1% in under $100M

428

Loan-to-Deposit Ratio

liquidity

Value: 84.78%

Peer Median: 64.22%

#428 of 541 Bottom 21.1% in under $100M

408

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.79%

#408 of 541 Bottom 24.8% in under $100M