The Citizens National Bank of Somerset: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank of Somerset is an FDIC-insured commercial bank. Total assets stand at $701M. Returns are notably above industry norms: 1.73% ROA, 31.04% ROE, and 3.38% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 14.73% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.15% NPLs and a 1.54% Texas Ratio. The Citizens National Bank of Somerset operates a 12-branch network.
As of June 30, 2026, The Citizens National Bank of Somerset reported a CET1 capital ratio of 14.73%, a return on assets of 1.73%, a nonperforming-loan ratio of 0.15%, a Texas ratio of 1.54%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 44 Public Sq, Somerset, KY 42501
- County
- Pulaski
- Metro Area
- Somerset, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Offices
- 12 domestic
- Employees (FTE)
- 121
- Domestic deposits
- $569.0M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $17K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2725
- Fed RSSD
- 410917
- Website
- www.cnbsomerset.com →
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 1070484)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens National Bank of Somerset terminal
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.73% | 1.73% | 0.15% | 1.54% | 3.38% |
| Q1 2026 | 14.84% | 1.59% | 0.13% | 1.01% | 3.21% |
| Q4 2025 | 14.82% | 1.81% | 0.06% | 0.51% | 3.21% |
| Q3 2025 | 14.90% | 1.49% | 0.15% | 1.18% | 3.02% |
| Q2 2025 | 15.00% | 1.46% | 0.15% | 1.85% | 3.00% |
| Q1 2025 | 15.79% | 1.25% | 0.18% | 2.93% | 2.82% |
| Q4 2024 | 15.53% | 1.30% | 0.17% | 3.68% | 2.74% |
| Q3 2024 | 16.29% | 1.07% | 0.22% | 3.08% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| 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 |
Regulatory record
What the public regulatory sources show for The Citizens National Bank of Somerset, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- December 13, 2007, OCC: Formal Agreement: The Citizens National Bank of Somerset
- Period: Most recent institution action December 13, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KY, rank 42 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 282 applications, 228 loans originated, $57.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Citizens National Bank of Somerset
What are The Citizens National Bank of Somerset's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Somerset reported total assets of $700.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens National Bank of Somerset headquartered?
The Citizens National Bank of Somerset is headquartered in Somerset, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens National Bank of Somerset founded?
The Citizens National Bank of Somerset was established in 1919, per the FDIC institution directory.
Is The Citizens National Bank of Somerset FDIC-insured?
Yes. The Citizens National Bank of Somerset is an FDIC-insured commercial bank (FDIC Certificate #2725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Somerset?
The Citizens National Bank of Somerset's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Citizens National Bank of Somerset's CET1 capital ratio?
The Citizens National Bank of Somerset reported a Common Equity Tier 1 (CET1) capital ratio of 14.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Somerset operate?
The Citizens National Bank of Somerset operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Somerset's Texas Ratio?
The Citizens National Bank of Somerset's Texas Ratio is 1.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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