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 The Citizens National Bank of Somerset
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The Citizens National Bank of Somerset
| RSSD ID 410917 | CERTIFICATE 2725 | ABA NUMBER 42101446 |
| 44 Public Sq |
Quarter Ended : |
2026-06-30 |
| Somerset, Kentucky, 42501 |
Updated : |
2026-07-17 |
| www.cnbsomerset.com |
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| Institution Profile |
| Year Opened : |
1919 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Mortgage Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
121 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 700,903 |
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Total Interest Income | 17,216 |
| Total Liabilities | 659,806 |
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Total NonInterest Income | 2,406 |
| Total Bank Equity Capital | 41,097 |
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Total Interest Expense | 5,578 |
| Total Deposits | 568,983 |
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Total NonInterest Expense | 7,815 |
| Net Loans & Leases | 378,526 |
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Net Income | 6,062 |
| Loan Loss Allowance | 5,654 |
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Net Charge Offs | 17 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 71,398 |
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Total loans | 375,815 |
| Total assets for the leverage ratio | 729,472 |
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Loans secured by real estate: | 330,511 |
| Tier 1 Leverage Ratio | 9.02 |
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Commercial and industrial loans | 28,376 |
| Tier 1 Capital Ratio | 14.73 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.98 |
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Loans to individuals - Other | 16,511 |
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:· The Citizens National Bank of Somerset
