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The Citizens National Bank of Somerset Locations & Branches Somerset, Kentucky
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The Citizens National Bank of Somerset operates 11 branches from its headquarters in Somerset, KY, . Its main office is at 44 Public Sq, Somerset, KY 42501.
The Citizens National Bank of Somerset branch network
All 11 branches are in KENTUCKY, across 7 cities. Somerset, KY has the most of its branches, 5. Its largest office by deposits is the The Citizens National Bank of Somerset office in Somerset, KY, with $268.8M (47.2% of its branch deposits). On June 30, 2025 it had 10 branches, 1 fewer than in 2026.
The Citizens National Bank of Somerset at a glance
Its CET1 capital ratio was 14.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $700.9M
- CET1 ratio, Q2 2026
- 14.73%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1919
Full financial profile · Is The Citizens National Bank of Somerset safe? · The Citizens National Bank of Somerset Q3 2026 call report, filed October 16, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Somerset, KY (5 branches) | 1 of 12 | 26.2% | $454.6M |
| State: KY (11 branches) | 42 of 152 | 0.5% | $569.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
The Citizens National Bank of Somerset's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Pulaski, KY (7 branches) | 1 of 12 | 27.0% | $510.9M | $1.89B |
| Wayne, KY (1 branch) | 4 of 4 | 4.2% | $21.6M | $510.2M |
| Russell, KY (1 branch) | 6 of 7 | 2.6% | $18.9M | $716.6M |
| Jessamine, KY (1 branch) | 9 of 11 | 1.8% | $17.6M | $953.6M |
| Madison, KY (1 branch) | 17 of 17 | <0.1% | $50K | $1.99B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Somerset, KY (7 branches) | 1 of 12 | 27.0% | $510.9M | $1.89B |
| Lexington-Fayette, KY (1 branch) | 31 of 36 | 0.1% | $17.6M | $16.02B |
| Richmond-Berea, KY (1 branch) | 18 of 18 | <0.1% | $50K | $2.17B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Somerset | Somerset, KY | 42501 | $268.8M |
| Waitsboro Branch | Somerset, KY | 42501 | $81.3M |
| Plaza Branch | Somerset, KY | 42503 | $64.0M |
| Nancy Branch | Nancy, KY | 42544 | $32.9M |
| Burnside Branch | Somerset, KY | 42501 | $29.3M |
| Science Hill Branch | Science Hill, KY | 42553 | $23.3M |
| Monticello Branch | Monticello, KY | 42633 | $21.6M |
| Russell County Branch | Russell Springs, KY | 42642 | $18.9M |
| Nicholasville Branch | Nicholasville, KY | 40356 | $17.6M |
| Citizens 27 Branch | Somerset, KY | 42501 | $11.2M |
| Richmond Branch | Richmond, KY | 40475 | $50K |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 2725) · FFIEC NIC profile (RSSD 410917)