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Overview / Commentary
606-679-6341
44 Public Square
Somerset, KY 42501

The Citizens National Bank of Somerset is headquartered in Somerset and is the 40th largest bank in the state of Kentucky. It is also the 1,780th largest bank in the nation. It was established in 1919 and as of September of 2016, it had grown to 123 employees at 11 locations. The Citizens National Bank of Somerset has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #2725
Year Established1919
Employees123
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD12.7%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$383.7MM$362.8MM
LoansQ3 2016vs Q3 2015$235.9MM$211.5MM
DepositsQ3 2016vs Q3 2015$318.8MM$302.9MM
Equity CapitalQ3 2016vs Q3 2015$40.2MM$38.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.2MM$3.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.0MM$3.8MM
Real Estate OwnedQ3 2016vs Q3 2015$4.4MM$4.7MM
Rates
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The Citizens National Bank of Somerset CD Rates

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

The Citizens National Bank of Somerset IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$40-18 Month Variable IRA
0.25%$2k-18 Month Fixed CD
Locations


The Citizens National Bank of Somerset 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