Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs First & Farmers National Bank, Inc.
Metric by metric
| Measure | The Citizens National Bank of Somerset | First & Farmers National Bank, Inc. |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 40 | 65 (stronger) |
| Loan quality | 94 (stronger) | 74 |
| Earnings | 89 (stronger) | 80 |
| Funding & liquidity | 81 | 82 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 61st | 61st |
| Total assets | $700.9M | $714.2M |
| Deposits / shares | $569.0M | $630.7M |
| Capital ratio | 9.02% | 11.51% (stronger) |
| Problem loans | 0.18% (stronger) | 0.77% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.73% (stronger) | 1.50% |
| Loans ÷ deposits | 66.5% (stronger) | 77.3% |
| Uninsured deposits | 26.2% | 15.6% (stronger) |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 4 and First & Farmers National Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Somerset, KY
- Nancy, KY
- Russell Springs, KY