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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 : |
2025-12-31 |
| Somerset, Kentucky, 42501 |
Updated : |
2026-01-21 |
| 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 : |
119 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 700,468 |
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Total Interest Income | 32,940 |
| Total Liabilities | 659,463 |
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Total NonInterest Income | 4,977 |
| Total Bank Equity Capital | 41,005 |
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Total Interest Expense | 12,142 |
| Total Deposits | 545,763 |
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Total NonInterest Expense | 14,756 |
| Net Loans & Leases | 359,747 |
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Net Income | 10,717 |
| Loan Loss Allowance | 5,521 |
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Net Charge Offs | 123 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 68,551 |
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Total loans | 353,185 |
| Total assets for the leverage ratio | 729,045 |
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Loans secured by real estate: | 307,325 |
| Tier 1 Leverage Ratio | 8.67 |
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Commercial and industrial loans | 28,223 |
| Tier 1 Capital Ratio | 14.82 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 16.08 |
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Loans to individuals - Other | 16,822 |
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:· The Citizens National Bank of Somerset
