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The Citizens National Bank of Hammond


The Citizens National Bank of Hammond is an FDIC insured institution headquartered at 19 Main St, Hammond, NY 13646.
It was founded in 1913 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - April 23, 2026

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.30% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.40% $10,000 Compare
12 Mo CD
0.40% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14820
Date Established 1913
Assets $ 25.62 million
Loans $ 19.67 million
Deposits $ 23.48 million
Capital $ 2.09 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 3.45 million
Interest-bearing balances $ 2.78 million
Total securities $ 1.94 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 19.67 million
Loan loss allowance $ 0.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.26 million
     Total Assets $ 23.52 million

LIABILITIES
Total deposits $ 23.48 million
      Interest-bearing deposits $ 15.23 million
      Deposits held in domestic offices $ 23.48 million
      % insured (estimated)" 91.79%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.03 millionn
      Total Liabilities $ 23.52 million
      Shareholders’ Equity $ 2.09 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 1.41 million
Total Interest Expense $ 0.34 million
Net interest income $ 1.08 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.03 million
Total non interest expense $ 1.53 million
Pre-tax Net Operating Income $ 0.08 million

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