NY lenders / Community Bank
The Citizens National Bank of Hammond
Community Bank · Hammond, NY
- Total assets
- $25.0M
- CRE loan book
- $453,000
- QoQ CRE growth
- -2.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.43% as of Q1 2026 — TX bank median 4.87% (0.56pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.43% | 5.93% |
| Q4 2025 | 5.39% | 5.95% |
| Q3 2025 | 5.36% | 5.89% |
| Q2 2025 | 5.36% | 5.81% |
| Q1 2025 | 5.42% | 5.76% |
| Q4 2024 | 5.33% | 5.78% |
| Q3 2024 | 5.15% | 5.66% |
| Q2 2024 | 5.25% | 5.55% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $453,000 | $0 | $0 | 0% | $0 |
| Q4 2025 | $463,000 | $0 | $0 | 0% | $0 |
| Q3 2025 | $496,000 | $0 | $0 | 0% | $0 |
| Q2 2025 | $627,000 | $0 | $0 | 0% | $0 |
| Q1 2025 | $641,000 | $0 | $0 | 0% | $0 |
| Q4 2024 | $651,000 | $0 | $0 | 0% | $0 |
| Q3 2024 | $633,000 | $0 | $0 | 0% | $0 |
| Q2 2024 | $644,000 | $0 | $0 | 0% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Williamsville State Bank & TrustCommunity Bank · Williamsville · $444,000 CRE book
- Sibley State BankCommunity Bank · Sibley · $435,000 CRE book
- Odin State BankCommunity Bank · Odin · $435,000 CRE book
- The Bank of SteinauerCommunity Bank · Steinauer · $509,000 CRE book
- First State Bank of St. PeterCommunity Bank · Saint Peter · $347,000 CRE book
See all alternatives to The Citizens National Bank of Hammond →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.