Total Assets
$23.9M
Total Deposits
$22.0M
Branches
2
Established
1913
The Citizens National Bank of Hammond is a bank headquartered in Hammond, New York, established in 1913. It holds $23.9M in total assets across 2 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Citizens National Bank of Hammond earns a TFS Financial Health Grade of D+ (57.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
57.0 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Citizens National Bank of HammondHQ | 19 Main St | Hammond | NY | 11 |
| The Citizens National Bank of Hammond | 405 Main Street | Morristown | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
57.0
Tier 1 capital ratio
7.92%
Return on assets
-1.84%
Non-performing loans
1.27%
Efficiency ratio
142.25%
Asset growth (YoY)
-9.59%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.