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 The Citizens National Bank of Somerset
The Citizens National Bank of Somerset
| RSSD ID 410917 | CERTIFICATE 2725 | ABA NUMBER 42101446 |
| 44 Public Sq |
Quarter Ended : |
2025-03-31 |
| Somerset, Kentucky, 42501 |
Updated : |
2025-04-21 |
| 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 : |
All Other Under 1 Billion |
| Number of Offices : |
11 |
Number of Employees : |
120 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 660,087 |
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Total Interest Income | 7,606 |
| Total Liabilities | 630,357 |
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Total NonInterest Income | 1,190 |
| Total Bank Equity Capital | 29,730 |
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Total Interest Expense | 2,939 |
| Total Deposits | 544,737 |
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Total NonInterest Expense | 3,632 |
| Net Loans & Leases | 338,785 |
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Net Income | 2,149 |
| Loan Loss Allowance | 5,409 |
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Net Charge Offs | 10 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 64,493 |
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Total loans | 343,106 |
| Total assets for the leverage ratio | 685,706 |
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Loans secured by real estate: | 294,884 |
| Tier 1 Leverage Ratio | 8.71 |
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Commercial and industrial loans | 29,424 |
| Tier 1 Capital Ratio | 15.79 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.04 |
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Loans to individuals - Other | 17,311 |
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:· The Citizens National Bank of Somerset
