🏦Bank Scorer

THE CITIZENS NATIONAL BANK OF HAMMOND

HAMMOND, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1913FDIC #14,820
Satisfactory Same

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.61%

Institution Profile

FDIC BankFind

Address

19 Main St, HAMMOND, NY

County

St. Lawrence County

Established

January 1, 1913

Total Assets

$25M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 4, 2021

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$25M

Total Deposits

$23M

Net Loans

$19M

Net Income

$-102K

ROA

-1.61%

ROE

-20.05%

Risk-Based Capital

15.75%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$24M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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