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The Citizens National Bank Of Somerset
Somerset, KY · FDIC Certificate #2725 · Chartered 01/0
Total assets
$700.90M
Total deposits
$568.98M
Total equity
$41.10M
Net loans
$378.53M
Branches (offices)
11
Net income (YTD)
$6.06M
Rank: #1,371 of 4,213 U.S. banks by assets · #26 of 120 in Kentucky. Assets changed 0.9% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 29.71% |
| Net interest margin (YTD) | 3.41% |
| Equity to assets | 5.86% |
| Tier 1 leverage ratio | 9.02% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 66.5% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $338.69M | 89.5% | |
| Commercial & industrial | $27.91M | 7.4% | |
| Consumer / individual | $16.17M | 4.3% | |
| Construction & development | $34.35M | 9.1% | |
| Agricultural | $430.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $605.89M | $537.06M | $4.55M | $21.10M |
| Jun 2023 | $646.95M | $506.35M | $4.38M | $17.74M |
| Jun 2024 | $607.02M | $518.88M | $2.85M | $22.81M |
| Jun 2025 | $694.36M | $553.44M | $4.70M | $30.27M |
| Jun 2026 | $700.90M | $568.98M | $6.06M | $41.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $568.98M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $568.98M.
Similar-sized banks
Arbor Bank ($701.70M) · County Bank ($696.40M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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