The Citizens National Bank of Somerset: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens National Bank of Somerset of Somerset, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.34% | +0.39% | 75th top |
| ROAE | 31.04% | 13.30% | +17.74% | 98th top |
| Net Interest Margin | 3.38% | 3.93% | -0.55% | 23rd bottom |
| Efficiency Ratio | 54.23% | 61.14% | -6.91% | 71st above |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 62nd above |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 2.46% | 3.32% | -0.86% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 981.60% | 1539.09% | -557.49% | 82nd top |
| Texas Ratio | 1.54% | 7.34% | -5.80% | 67th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 882.35% | 1396.02% | -513.67% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.73% | 19.51% | -4.78% | 46th below |
| Tier 1 Ratio | 14.73% | 19.54% | -4.81% | 46th below |
| Total Capital Ratio | 15.98% | 20.63% | -4.65% | 47th below |
| Leverage Ratio | 9.02% | 12.14% | -3.12% | 13th bottom |
| Equity / Assets | 5.86% | 11.38% | -5.52% | 2nd bottom |
| TCE / Tangible Assets | 5.86% | 11.10% | -5.24% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.52% | 80.65% | -13.13% | 74th above |
| Core Deposit Ratio | 81.42% | 86.86% | -5.44% | 19th bottom |
| Wholesale Funding Ratio | 12.57% | 5.03% | +7.54% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.94% | 6.86% | -5.92% | 25th below |
| Loan Growth (Y/Y) | 10.98% | 7.90% | +3.08% | 77th top |
| Deposit Growth (Y/Y) | 2.81% | 6.29% | -3.48% | 42nd below |
See The Citizens National Bank of Somerset's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of Somerset, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens National Bank of Somerset profile, how to read a UBPR, or how this data updates.