The Citizens National Bank of Somerset (FDIC certificate #2725) is based in Somerset, Kentucky. Its Q2 2026 call report shows $700.9M in total assets and $569.0M in deposits and 12 offices.
Based on its Q2 2026 filing, The Citizens National Bank of Somerset scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 46th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (40/100; 9.02%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (73 → 75), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.87% |
| Q3 2024 | 8.66% |
| Q4 2024 | 8.62% |
| Q1 2025 | 8.71% |
| Q2 2025 | 8.70% |
| Q3 2025 | 8.44% |
| Q4 2025 | 8.67% |
| Q1 2026 | 8.87% |
| Q2 2026 | 9.02% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.99% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.65% |
| Q2 2026 | 1.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $700.9M | 9.02% | 0.18% | 1.73% | 66.5% |
| Q1 2026 | 75 | $706.5M | 8.87% | 0.13% | 1.65% | 64.3% |
| Q4 2025 | 75 | $700.5M | 8.67% | 0.06% | 1.57% | 65.9% |
| Q3 2025 | 72 | $702.6M | 8.44% | 0.15% | 1.46% | 62.4% |
| Q2 2025 | 73 | $694.4M | 8.70% | 0.15% | 1.41% | 61.6% |
| Q1 2025 | 71 | $660.1M | 8.71% | 0.26% | 1.31% | 62.2% |
| Q4 2024 | 68 | $649.7M | 8.62% | 0.33% | 1.09% | 64.2% |
| Q3 2024 | 68 | $640.0M | 8.66% | 0.32% | 0.99% | 62.6% |
| Q2 2024 | 68 | $607.0M | 8.87% | 0.28% | 0.92% | 63.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| FNB Bank, Inc.Bank Mayfield, KY | 65 out of 100, Moderate | $770.0M | 8.5% | 0.68% | vs |
| Peoples Exchange BankBank Winchester, KY | 71 out of 100, Strong | $609.8M | 10.0% | 0.06% | vs |
| Hearthside Bank CorporationBank Middlesboro, KY | 68 out of 100, Moderate | $608.9M | 10.1% | 0.32% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of Somerset?
Yes. The Citizens National Bank of Somerset is an FDIC-insured institution (FDIC certificate #2725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.2% of deposits ($149.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.98% (benchmark: 10%).
12 locations
Branches
The Citizens National Bank of Somerset lists 11 offices in 7 cities. Most locations:
- Somerset, KY (5)
- Monticello, KY (1)
- Nancy, KY (1)
- Nicholasville, KY (1)
- Richmond, KY (1)
- Russell Springs, KY (1)
- Science Hill, KY (1)
HMDA 2025
Mortgage lending
In 2025, The Citizens National Bank of Somerset reported 282 home-loan applications under HMDA (LEI 549300JCW11CIGH8GJ60): 228 originated ($57,160,000 total), 29 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Citizens National Bank of Somerset
- Type
- National bank
- FDIC certificate #
- 2725
- RSSD ID
- 410917
- Primary regulator
- OCC
- Holding company
- Citizens Bancshares Inc
- Established
- January 1, 1919
- Headquarters
- 44 Public Sq, Somerset, KY 42501
- Website
- www.cnbsomerset.com
- Employees
- 121
Quick answers
The Citizens National Bank of Somerset: common questions
Is The Citizens National Bank of Somerset FDIC insured?
Yes. The Citizens National Bank of Somerset is an FDIC-insured institution (FDIC certificate #2725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of Somerset's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens National Bank of Somerset ever failed?
There is no failure record for FDIC certificate #2725 in the FDIC failed bank list.
How many branches does The Citizens National Bank of Somerset have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Somerset
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pbk Bank, Inc.Bank Stanford, KY | 94 out of 100, Very strong | $175.6M | 15.2% | 0.46% | vs |
| Cumberland Security Bank, Inc.Bank Somerset, KY | 87 out of 100, Very strong | $420.1M | 14.1% | 0.16% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| South Central Bank, Inc.Bank Glasgow, KY | 72 out of 100, Strong | $2.3B | 9.9% | 0.30% | vs |