Total Assets
$700.9M
Total Deposits
$569.0M
Branches
11
Established
1919
The Citizens National Bank of Somerset is a bank headquartered in Somerset, Kentucky, established in 1919. It holds $700.9M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Citizens National Bank of Somerset earns a TFS Financial Health Grade of B+ (81.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
81.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Citizens National Bank of SomersetHQ | 44 Public Sq | Somerset | KY | 11 |
| The Citizens National Bank of Somerset | 290 Cumberland Xing | Monticello | KY | 11 |
| The Citizens National Bank of Somerset | 9140 W Highway 80 | Nancy | KY | 11 |
| The Citizens National Bank of Somerset | 601 Keene Centre Dr | Nicholasville | KY | 11 |
| The Citizens National Bank of Somerset | 94 Lakeway Dr | Russell Springs | KY | 11 |
| The Citizens National Bank of Somerset | 105 W Highway 635 | Science Hill | KY | 11 |
| The Citizens National Bank of Somerset | 4145 S Highway 27 | Somerset | KY | 11 |
| The Citizens National Bank of Somerset | 107 E Mount Vernon St | Somerset | KY | 25 |
| The Citizens National Bank of Somerset | 800 S Highway 27 | Somerset | KY | 11 |
| The Citizens National Bank of Somerset | 6385 S Highway 27 | Somerset | KY | 11 |
| The Citizens National Bank of Somerset | 293 N Highway 27 | Somerset | KY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
81.3
Tier 1 capital ratio
9.02%
Return on assets
1.73%
Non-performing loans
0.18%
Efficiency ratio
55.65%
Asset growth (YoY)
0.94%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.