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44 Public Square
Somerset, KY 42501

Citizens National Bank (KY) is headquartered in Somerset and is the 39th largest bank in the state of Kentucky. It is also the 1,809th largest bank in the nation. It was established in 1919 and as of March of 2017, it had grown to 120 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 - YTD1.34%
Return on Equity - YTD13.43%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$380.7MM$388.1MM
LoansQ1 2017vs Q1 2016$239.4MM$219.7MM
DepositsQ1 2017vs Q1 2016$315.1MM$318.5MM
Equity CapitalQ1 2017vs Q1 2016$38.8MM$39.9MM
Loan Loss AllowanceQ1 2017vs Q1 2016$3.4MM$3.3MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.5MM$3.4MM
Real Estate OwnedQ1 2017vs Q1 2016$4.4MM$5.0MM
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Citizens National Bank (KY) CD Rates

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

Citizens National Bank (KY) IRA Rates

0.25%$40-18 Month Variable IRA
0.25%$2k-18 Month Fixed IRA

Citizens National Bank (KY) Locations
Science Hill Branch110 West Highway 635Science Hill, KY 42553
Monticello Branch290 Cumberland CrossingMonticello, KY 42633
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
Nancy Branch9140 West Highway 80Nancy, KY 42544
Plaza Branch293 North Highway 27Somerset, KY 42503
Nicholasville Branch601 Keene Centre DriveNicholasville, KY 40356
Russell County Branch1504 Lakeway Drive, Suite ARussell Springs, KY 42642