The Citizens National Bank of Hammond: how it compares with its peers
Against 173 U.S. banks with half to twice its assets, The Citizens National Bank of Hammond's strongest measure in Q2 2026 is net interest margin (4.53% vs. a 3.86% peer median). Its weakest relative measure is return on assets (-1.84% vs. 0.93%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.84% | 0.93% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.53% | 3.86% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 142.25% | 78.40% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.4M | $5.1M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.34% | 58.08% | Context |
What it means for lending operations
Its efficiency ratio of 142.25% is above the 78.40% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank of Swanville Swanville, MN · $24M
- Hart County Bank and Trust Company Munfordville, KY · $24M
- The Peoples State Bank Cherryvale, KS · $23M
- Boelus State Bank Boelus, NE · $24M
- The Mt. Victory State Bank Mount Victory, OH · $23M
Questions about The Citizens National Bank of Hammond
How big is The Citizens National Bank of Hammond?
The Citizens National Bank of Hammond, established in 1913, is headquartered in Hammond, NY. It reported $24M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens National Bank of Hammond's return on assets?
-1.84% annualized in Q2 2026, against a 0.93% median for 173 U.S. banks with half to twice its assets, ahead of 9% of them.
What is The Citizens National Bank of Hammond's efficiency ratio?
142.25% in Q2 2026: it spent about 142 cents in noninterest expense for each dollar of revenue. The peer median is 78.40%, and lower is better.
Is The Citizens National Bank of Hammond growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits shrank 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.