CITIZENS NB OF HAMMOND
HAMMOND, NEW YORK · FDIC Cert #14820
Capital & Safety Analysis
According to FDIC financial data, CITIZENS NB OF HAMMOND holds a Tier 1 capital ratio of 16.26%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS NB OF HAMMOND has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS NB OF HAMMOND shows strong financial health indicators. With $27M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS NB OF HAMMOND has a Bank Health Score of A (83/100). It holds a Tier 1 capital ratio of 16.26%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS NB OF HAMMOND holds $27M in total assets and $24M in total deposits. It is located in HAMMOND, NEW YORK (FDIC Certificate #14820).
CITIZENS NB OF HAMMOND has a Tier 1 capital ratio of 16.26%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.07%, and the return on assets is 0.45%.
Yes. CITIZENS NB OF HAMMOND is FDIC-insured (Certificate #14820). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.