The Citizens National Bank of Somerset
Somerset, KY
IDRSSD: 410917
Total Assets
$700.47M
Latest filing
Total Deposits
$545.76M
Latest filing
Net Interest Margin
3.32%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042101446SOMERSET, KY
Key People
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Locations
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Main Office
The Citizens National Bank of Somerset
44 Public Sq
Somerset, KY 42501
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1919FDIC Certificate 1767
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Citizens National Bank of Somerset (Main) | 44 Public Sq | Somerset, KY |
| PLAZA BRANCH | 293 N Highway 27 | Somerset, KY |
| BURNSIDE BRANCH | 6385 S Highway 27 | Somerset, KY |
| CITIZENS 27 BRANCH | 800 S Highway 27 | Somerset, KY |
| COFFMAN BUILDING BRANCH | 107 E Mount Vernon St | Somerset, KY |
| WAITSBORO BRANCH | 4145 S Highway 27 | Somerset, KY |
| NANCY BRANCH | 9140 W Highway 80 | Nancy, KY |
| SCIENCE HILL BRANCH | 105 W Highway 635 | Science Hill, KY |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42501 |
| State and County Number | 21199 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Somerset, KY |
Operational Info
| Number of Employees | 118 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbsomerset.com |
| Data Updated | 01/30/2026 |
| CERT | 2725 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $700.47M |
| Total Deposits | $545.76M |
| Total Liabilities | $659.46M |
| Total Equity Capital | $41.01M |
| Net Income | $3.30M |
| Net Loans and Leases | $359.75M |
| Assets Per Employee ($Millions) | $5.89M |
| Bank Premises and Fixed Assets | $6.44M |
| Cash and Balances due from Depository Institutions | $39.84M |
| Deposits Held in Domestic Offices | $545.76M |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 33.48% |
| Net Interest Margin | 3.32% |
| Efficiency Ratio | 51.97% |
| Tier 1 Risk-Based Capital Ratio | 14.824% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.854% |
| Earning Assets to total Assets | 97.41% |
Income and Expense
| Total Interest Income | $8.72M |
| Total Noninterest Income | $1.36M |
| Total Interest Expense | $3.04M |
| Total Noninterest Expense | $3.66M |
| Net Interest Income | $5.68M |
| Pre-tax Net Operating Income | $3.30M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $111.48M |
| All Other Liabilities | $2.22M |
| Total Liabilities and Capital | $700.47M |
Securities
| Securities | $290.45M |
| Available-for-sale debt securities | $290.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens National Bank of Somerset?
$700.47M as of the latest filing.
How much are The Citizens National Bank of Somerset's total deposits?
$545.76M in total deposits.
Where is The Citizens National Bank of Somerset located?
Somerset, KY.
What is the Net Interest Margin?
3.32%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$359.75M (latest filing).
What is the total interest income (latest filing)?
$8.72M.