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Overview / Commentary
606-679-6341
44 Public Square
Somerset, KY 42501

Citizens National Bank (KY) is headquartered in Somerset and is the 38th largest bank in the state of Kentucky. It is also the 1,780th largest bank in the nation. It was established in 1919 and as of June of 2017, it had grown to 123 employees at 11 locations. Citizens National Bank (KY) has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #2725
Year Established1919
Employees123
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD13.99%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$389.9MM$377.6MM
LoansQ2 2017vs Q2 2016$242.6MM$226.1MM
DepositsQ2 2017vs Q2 2016$317.8MM$313.6MM
Equity CapitalQ2 2017vs Q2 2016$40.3MM$40.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$3.4MM$3.2MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.1MM$2.8MM
Real Estate OwnedQ2 2017vs Q2 2016$4.4MM$4.3MM
Rates
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Citizens National Bank (KY) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-24 Month CD
0.30%$1k-18 Month CD
0.15%$1k-6 Month CD

Citizens National Bank (KY) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$40-18 Month Variable IRA
0.25%$2k-18 Month Fixed IRA
Locations


Cities: Monticello, Nancy, Nicholasville, Russell Springs, Science Hill, Somerset

Monticello Branches
Monticello Branch290 Cumberland CrossingMonticello, KY 42633

Nancy Branches
Nancy Branch9140 West Highway 80Nancy, KY 42544

Nicholasville Branches
Nicholasville Branch601 Keene Centre DriveNicholasville, KY 40356

Russell Springs Branches
Russell County Branch1504 Lakeway Drive, Suite ARussell Springs, KY 42642

Science Hill Branches
Science Hill Branch105 West Highway 635Science Hill, KY 42553

Somerset Branches
Citizens 27 Branch800 South Highway 27Somerset, KY 42501
Waitsboro Branch4145 South Highway 27Somerset, KY 42501
The Citizens National Bank Of Somerset44 Public SquareSomerset, KY 42501
Burnside Branch6385 South Highway 27Somerset, KY 42501
Plaza Branch293 North Highway 27Somerset, KY 42503