BlastPoint's Banking Scorecard
The Citizens National Bank of Hammond
Micro
Specialty: Mortgage
NY
FDIC cert 14820
Designations: ✓ Community bank
Hammond, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The Citizens National Bank of Hammond faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.28% below tier
- - Efficiency Ratio 69.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.6M
-14.8% YoY
-7.9% QoQ
|
-$191.9M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$19.7M
-6.0% YoY
-1.2% QoQ
|
-$119.5M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$23.5M
-14.6% YoY
-8.0% QoQ
|
-$160.2M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-1.20%
-529.7% YoY
-18.9% QoQ
|
-2.28% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
4.10%
+10.7% YoY
+2.8% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
137.57%
+50.2% YoY
+10.4% QoQ
|
+69.84% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
1.12%
-19.2% YoY
+72.0% QoQ
|
+0.48% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
83.78%
+10.1% YoY
+7.5% QoQ
|
+9.26% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
35.14%
+49.2% YoY
+17.1% QoQ
|
+12.75% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.86%
-10.9% YoY
+84.6% QoQ
|
+0.41% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
15.45%
-7.9% YoY
-4.3% QoQ
|
+6.60% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.12%
+44.4% YoY
+28.7% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.20%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
137.57%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.14% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 8.85%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.78% · Tier avg: 74.53%
26
26th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.45%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
6
6th pctile
Total Loans
Current: $19.7M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $23.5M · Tier avg: $183.7M
2
2th pctile
Return on Assets
Current: -1.20% · Tier avg: 1.08%
2
2th pctile
Total Assets
Current: $25.6M · Tier avg: $217.5M
0
0th pctile
Efficiency Ratio
Current: 137.57% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 137.57% · Tier avg: 67.73%
2
2th pctile
Total Assets
Current: $25.6M · Tier avg: $217.5M
2
2th pctile
Return on Assets
Current: -1.20% · Tier avg: 1.08%
3
3th pctile
Total Deposits
Current: $23.5M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $19.7M · Tier avg: $139.2M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.64%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.78% · Tier avg: 74.53%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.14% · Tier avg: 22.39%