The Citizens National Bank Of Hammond
The Citizens National Bank Of Hammond is a bank based in Hammond, New York, established in 1913, with $25 million in total assets across 2 branches. By Trust Grade it ranks 110th of 118 banks we track in New York. Its capital ratio of 7.9% trails most similarly sized banks (10th percentile), versus a New York median of 10.4%. It posted a loss over the most recent period (-1.61% return on assets), a point to watch. No consumer complaints against The Citizens National Bank Of Hammond appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Citizens National Bank Of Hammond compares to New York peers
How we graded The Citizens National Bank Of Hammond
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Unprofitable over the period (ROA -1.61%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Citizens National Bank Of Hammond over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 405 Main Street, Morristown, NY 13664
- 19 Main St, Hammond, NY 13646
Are deposits at The Citizens National Bank Of Hammond insured?
Yes. The Citizens National Bank Of Hammond is an FDIC-insured bank (FDIC certificate #14820). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Citizens National Bank Of Hammond: frequently asked questions
Is The Citizens National Bank Of Hammond a good bank?
The Citizens National Bank Of Hammond earns a Bankzia Trust Grade of D (67/100, "Below average"), based on a financial-strength score of 67/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Unprofitable over the period (ROA -1.61%).
Is The Citizens National Bank Of Hammond FDIC-insured?
Yes. The Citizens National Bank Of Hammond is a FDIC-insured bank (FDIC certificate #14820). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Citizens National Bank Of Hammond?
The Citizens National Bank Of Hammond holds $25 million in total assets, ranking 110th of 118 banks we track in New York. It operates 2 branches.
Does The Citizens National Bank Of Hammond have CFPB complaints?
No CFPB complaints against The Citizens National Bank Of Hammond appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
