Overview / Commentary
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 1,800th largest bank in the nation. It was established in 1919 and as of June of 2018, it had grown to 123 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 - YTD1.51%
Return on Equity - YTD15.22%
Annual Interest Income$7.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$384.4MM$389.9MM
LoansQ2 2018vs Q2 2017$243.2MM$242.6MM
DepositsQ2 2018vs Q2 2017$321.9MM$317.8MM
Equity CapitalQ2 2018vs Q2 2017$38.4MM$40.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.9MM$3.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.3MM$2.1MM
Real Estate OwnedQ2 2018vs Q2 2017$4.2MM$4.4MM
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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

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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