| Weiss Ratings |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 8.90 | |||
| Capitalization Index | 6.40 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 4.40 | |||
| Company Info |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 2725 | |||
| Phone Number | (606) 679-6341 | |||
| Website | www.cnbsomerset.com | |||
| Asset Quality |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 9.79% | |||
| 5-Year Asset Growth | 9.19% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.07% | |||
| Non-Performing Loans to Capital | 0.77% | |||
| Non-Performing Loans to Loans | 0.15% | |||
| Balance Sheet |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 702.61M | |||
| Total Deposits | 556.12M | |||
| Capital and Reserves |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 37.95M | |||
| Leverage Ratio | 8.44 | |||
| Loan Loss Reserves to Loans | 1.56% | |||
| Risk-Based Capital Ratio | 16.15 | |||
| Liquidity |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 26.98% | |||
| Liquidity Ratio | 25.95% | |||
| Profitability |
The Citizens National Bank of Somerset
Somerset, KY |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 7.41M | |||
| Net Interest Spread | 2.95% | |||
| Operating Profit to Average Assets | 1.40% | |||
| Overhead Efficiency Ratio | 59.23% | |||
| Return on Assets | 1.40% | |||
| Return on Equity | 32.33% | |||