The Citizens National Bank Of Somerset is a bank based in Somerset, Kentucky, established in 1919, with $706 million in total assets across 12 branches. By Trust Grade it ranks 114th of 120 banks we track in Kentucky. Its capital ratio of 5.7% trails most similarly sized banks (2th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.65% return on assets. No consumer complaints against The Citizens National Bank Of Somerset appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Citizens National Bank Of Somerset compares to Kentucky peers
How we graded The Citizens National Bank Of Somerset
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (5.7% capital ratio)
- Strongly profitable (ROA 1.65%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Citizens National Bank Of Somerset over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 44 Public Sq, Somerset, KY 42501
- 293 N Highway 27, Somerset, KY 42503
- 6385 S Highway 27, Somerset, KY 42501
- 800 S Highway 27, Somerset, KY 42501
- 107 E Mount Vernon St, Somerset, KY 42501
- 4145 S Highway 27, Somerset, KY 42501
- 9140 W Highway 80, Nancy, KY 42544
- 105 W Highway 635, Science Hill, KY 42553
- 290 Cumberland Xing, Monticello, KY 42633
- 601 Keene Centre Dr, Nicholasville, KY 40356
- 94 Lakeway Dr, Russell Springs, KY 42642
- 2008 Merchant Dr, Richmond, KY 40475
Are deposits at The Citizens National Bank Of Somerset insured?
Yes. The Citizens National Bank Of Somerset is an FDIC-insured bank (FDIC certificate #2725). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Citizens National Bank Of Somerset: frequently asked questions
Is The Citizens National Bank Of Somerset a good bank?
The Citizens National Bank Of Somerset earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (5.7% capital ratio); Strongly profitable (ROA 1.65%).
Is The Citizens National Bank Of Somerset FDIC-insured?
Yes. The Citizens National Bank Of Somerset is a FDIC-insured bank (FDIC certificate #2725). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Citizens National Bank Of Somerset?
The Citizens National Bank Of Somerset holds $706 million in total assets, ranking 114th of 120 banks we track in Kentucky. It operates 12 branches.
Does The Citizens National Bank Of Somerset have CFPB complaints?
No CFPB complaints against The Citizens National Bank Of Somerset appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
