Lists · Deposits by metro area
Somerset, KY Metro Area Bank Deposit Market Share
The Citizens National Bank of Somerset holds the largest share of deposits in the Somerset, KY metro area, 27.0%, followed by Cumberland Security Bank, Inc. (19.0%) and First & Farmers National Bank, Inc. (13.9%). 12 institutions hold $1.89B at 28 offices as of June 30, 2026, up 2.7% from 2025.
Largest share changes since 2025
Gained: First & Farmers National Bank, Inc. (1.47 points); Forcht Bank, N.A. (0.66 points); South Central Bank, Inc. (0.52 points).
Lost: Cumberland Valley National Bank & Trust Company (-1.12 points); Monticello Banking Company (-0.56 points); Truist Bank (-0.53 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | The Citizens National Bank of Somerset | $510.9M | 27.01% | -0.08 pts |
| 2 | Cumberland Security Bank, Inc. | $359.4M | 19.00% | -0.44 pts |
| 3 | First & Farmers National Bank, Inc. | $263.5M | 13.93% | +1.47 pts |
| 4 | Monticello Banking Company | $184.8M | 9.77% | -0.56 pts |
| 5 | Forcht Bank, N.A. | $159.3M | 8.42% | +0.66 pts |
| 6 | Truist Bank | $134.1M | 7.09% | -0.53 pts |
| 7 | Community Trust Bank, Inc. | $86.1M | 4.55% | -0.05 pts |
| 8 | First Southern National Bank | $76.8M | 4.06% | -0.23 pts |
| 9 | Cumberland Valley National Bank & Trust Company | $41.9M | 2.22% | -1.12 pts |
| 10 | United Cumberland Bank | $34.3M | 1.82% | +0.24 pts |
| 11 | Citizens Bank | $20.7M | 1.10% | +0.11 pts |
| 12 | South Central Bank, Inc. | $19.8M | 1.04% | +0.52 pts |
About this list
Deposits are those held at each institution's offices in Somerset, KY (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.
Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.
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