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BDI
CB

The Citizens National Bank of Hammond

Hammond, New YorkFDIC Cert #14820

OCCEstablished 19132 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.72%
+41.0%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET + LNLSGR
90+ %
0.27%
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.92%
+54.5%y/y
Peer standing29th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET + LNLSGR
Noncurrent %
1.19%
+99.8%y/y
Peer standing31st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.94%
+119.0%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$234K
+90.2%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.02%
−92.5%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + LNLSGR
NCO
$1K
−92.9%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.61%
−6.0%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNATRES + LNLSGR
30–89
$337K
+34.3%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET
90+
$53K
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET
Nonaccrual
$181K
+47.2%y/y
Peer standing24th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET