What is The Citizens National Bank of Somerset's financial health grade?

The Citizens National Bank of Somerset has a TFS Financial Health Grade of C (score: 75.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens National Bank of Somerset have?

The Citizens National Bank of Somerset has 11 branch locations across the United States.

Is The Citizens National Bank of Somerset FDIC insured?

Yes, The Citizens National Bank of Somerset is FDIC insured (Certificate #2725).

What are the total assets of The Citizens National Bank of Somerset?

The Citizens National Bank of Somerset has total assets of $700.5M as reported in its most recent FDIC filing.

The Citizens National Bank of Somerset

BankSomerset, Kentucky

www.cnbsomerset.com

Total Assets

$700.5M

Total Deposits

$545.8M

Branches

Established

1919

TFS Health Grade

75.8 / 100

Average financial health

How we grade

The Citizens National Bank of Somerset is a bank headquartered in Somerset, Kentucky, established in 1919. With $700.5M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.67%(8%)

Total Capital Ratio

16.07%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

1.57%(1%)

Return on Equity (ROE)

32.59%(10%)

Net Interest Margin

3.14%

Efficiency Ratio

57.25%(60%)

Lending & Liquidity

Total Loans

$365.3M

Loan-to-Deposit Ratio

65.92%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+7.81%

Deposit Growth (YoY)

+2.35%

Net Income

$10.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Citizens National Bank of SomersetHQ	44 Public Sq	Somerset	KY	11
The Citizens National Bank of Somerset	290 Cumberland Xing	Monticello	KY	11
The Citizens National Bank of Somerset	9140 W Highway 80	Nancy	KY	11
The Citizens National Bank of Somerset	601 Keene Centre Dr	Nicholasville	KY	11
The Citizens National Bank of Somerset	94 Lakeway Dr	Russell Springs	KY	11
The Citizens National Bank of Somerset	105 W Highway 635	Science Hill	KY	11
The Citizens National Bank of Somerset	4145 S Highway 27	Somerset	KY	11
The Citizens National Bank of Somerset	107 E Mount Vernon St	Somerset	KY	25
The Citizens National Bank of Somerset	800 S Highway 27	Somerset	KY	11
The Citizens National Bank of Somerset	6385 S Highway 27	Somerset	KY	11
The Citizens National Bank of Somerset	293 N Highway 27	Somerset	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.