Citizens National Bank (KY)

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cnbsomerset.com

606-679-6341

44 Public Square
Somerset, KY 42501

Citizens National Bank (KY) is headquartered in SOMERSET and is the 27^th largest bank in the state of Kentucky. It is also the 1,447^th largest bank in the nation. It was established in 1919 and as of March of 2025, it had grown to 120 employees at 11 locations. Citizens National Bank (KY) has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	2725
Year Established	1919
Employees	120
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.31%
Return on Equity - YTD	31.14%
Annual Interest Income	$7.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$660.1MM$623MM
Loans	Q1 2025vs Q1 2024	$338.8MM$320.1MM
Deposits	Q1 2025vs Q1 2024	$544.7MM$514.7MM
Equity Capital	Q1 2025vs Q1 2024	$29.7MM$20.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.4MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$889K$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$141K$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Citizens National Bank (KY).

Locations

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

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	94 Lakeway Dr	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 Sq	Somerset, KY 42501
Burnside Branch	6385 South Highway 27	Somerset, KY 42501
Plaza Branch	293 North Highway 27	Somerset, KY 42503

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