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Citizens National Bank (KY)

Overview / Commentary
44 Public Square
Somerset, KY 42501

Citizens National Bank (KY) is headquartered in Somerset and is the 34th largest bank in the state of Kentucky. It is also the 1,706th largest bank in the nation. It was established in 1919 and as of March of 2019, it had grown to 122 employees at 11 locations. Citizens National Bank (KY) has a B+ health rating.


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Health Grade Components

FDIC Certificate #2725
Year Established1919
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD12.62%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$417.8MM$394.3MM
LoansQ1 2019vs Q1 2018$246.2MM$242.7MM
DepositsQ1 2019vs Q1 2018$341.8MM$329.8MM
Equity CapitalQ1 2019vs Q1 2018$40.7MM$38.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$3.0MM$3.1MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.0MM$1.6MM
Real Estate OwnedQ1 2019vs Q1 2018$3.4MM$5.1MM

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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 Branch94 Lakeway DrRussell 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

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