CITIZENS NATIONAL BANK OF SOMERSET, THE is an FDIC-insured commercial bank headquartered in SOMERSET, KY, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $700M and total deposits of $546M. Profitability stands at 1.88% ROA and 33.48% ROE, with a net interest margin of 3.52%. CET1 capital ratio: 14.82%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.51%. Operates 10 domestic branches.
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