The Citizens National Bank of Hammond
Hammond, NY
IDRSSD: 855303
Total Assets
$25.58M
Latest filing
Total Deposits
$23.48M
Latest filing
Net Interest Margin
4.39%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021309201HAMMOND, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens National Bank of Hammond
19 Main St
Hammond, NY 13646
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1913FDIC Certificate 9276
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens National Bank of Hammond (Main) | 19 Main St | Hammond, NY |
| CNB MORRISTOWN BRANCH | 405 Main Street | Morristown, NY |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13646 |
| State and County Number | 36089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ogdensburg-Massena, NY |
Operational Info
| Number of Employees | 7 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/31/2006 |
| Date of Deposit Insurance | 10/15/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 14820 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $25.58M |
| Total Deposits | $23.48M |
| Total Liabilities | $23.58M |
| Total Equity Capital | $2.00M |
| Net Income | $-355,000 |
| Net Loans and Leases | $19.67M |
| Assets Per Employee ($Millions) | $3.65M |
| Bank Premises and Fixed Assets | $207.00k |
| Cash and Balances due from Depository Institutions | $3.45M |
| Deposits Held in Domestic Offices | $23.48M |
Key Performance Ratios
| Return on Assets (ROA) | -5.3% |
| Return on Equity (ROE) | -64.99% |
| Net Interest Margin | 4.39% |
| Efficiency Ratio | 225.89% |
| Tier 1 Risk-Based Capital Ratio | 14.85% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.818% |
| Earning Assets to total Assets | 95.35% |
Income and Expense
| Total Interest Income | $338.00k |
| Total Noninterest Income | $5.00k |
| Total Interest Expense | $61.00k |
| Total Noninterest Expense | $637.00k |
| Net Interest Income | $277.00k |
| Pre-tax Net Operating Income | $-355,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $101.00k |
| Total Liabilities and Capital | $25.58M |
Securities
| Securities | $1.94M |
| Available-for-sale debt securities | $1.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens National Bank of Hammond?
$25.58M as of the latest filing.
How much are The Citizens National Bank of Hammond's total deposits?
$23.48M in total deposits.
Where is The Citizens National Bank of Hammond located?
Hammond, NY.
What is the Net Interest Margin?
4.39%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
-5.3%.
How much are total loans and leases?
$19.67M (latest filing).
What is the total interest income (latest filing)?
$338.00k.