Citizens National Bank (KY)
Overview / Commentary
Citizens National Bank (KY) is headquartered in Somerset and is the 38th largest bank in the state of Kentucky. It is also the 1,763rd largest bank in the nation. It was established in 1919 and as of December of 2017, it had grown to 124 employees at 11 locations. Citizens National Bank (KY) has a C+ health rating.
Health
C+
Data as of Q4 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 2725 |
| Year Established | 1919 |
| Employees | 124 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.43% |
| Return on Equity - YTD | 14.11% |
| Annual Interest Income | $15.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2017vs Q4 2016 | $395.5MM$388.0MM |
| Loans | Q4 2017vs Q4 2016 | $248.4MM$242.0MM |
| Deposits | Q4 2017vs Q4 2016 | $325.2MM$319.2MM |
| Equity Capital | Q4 2017vs Q4 2016 | $39.9MM$37.8MM |
| Loan Loss Allowance | Q4 2017vs Q4 2016 | $3.2MM$3.2MM |
| Unbacked Noncurrent Loans | Q4 2017vs Q4 2016 | $6.8MM$3.3MM |
| Real Estate Owned | Q4 2017vs Q4 2016 | $4.4MM$4.2MM |
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Citizens National Bank (KY) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | $40 | - | 18 Month Variable IRA | |
| 0.25% | $2k | - | 18 Month Fixed IRA |
Locations
| Monticello Branches | ||
|---|---|---|
| Monticello Branch | 290 Cumberland Crossing | Monticello, KY 42633 |
| Nancy Branches | ||
|---|---|---|
| Nancy Branch | 9140 West Highway 80 | Nancy, KY 42544 |
| Nicholasville Branches | ||
|---|---|---|
| Nicholasville Branch | 601 Keene Centre Drive | Nicholasville, KY 40356 |
| Russell Springs Branches | ||
|---|---|---|
| Russell County Branch | 1504 Lakeway Drive, Suite A | Russell Springs, KY 42642 |
| Science Hill Branches | ||
|---|---|---|
| Science Hill Branch | 105 West Highway 635 | Science Hill, KY 42553 |
| Somerset Branches | ||
|---|---|---|
| Citizens 27 Branch | 800 South Highway 27 | Somerset, KY 42501 |
| Waitsboro Branch | 4145 South Highway 27 | Somerset, KY 42501 |
| The Citizens National Bank Of Somerset | 44 Public Square | Somerset, KY 42501 |
| Burnside Branch | 6385 South Highway 27 | Somerset, KY 42501 |
| Plaza Branch | 293 North Highway 27 | Somerset, KY 42503 |