C
The Citizens National Bank of Somerset
Rating Date
March 2026
Risk Based
Capital Ratio
16.08
Leverage
Ratio
8.67
Return On
Assets
1.51%
Total
Assets
700.47M
Capital
41.01M
Total
Deposits
545.76M
Net
Income
10.72M
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Weiss Ratings The Citizens National Bank of Somerset
Somerset, KY 		Click to
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Rating C
Asset Quality Index 8.90
Capitalization Index 6.70
Liquidity Index 3.10
Profitability Index 6.00
Stability Index 4.20
Company Info The Citizens National Bank of Somerset
Somerset, KY 		Click to
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FDIC Number 2725
Phone Number (606) 679-6341
Website www.cnbsomerset.com
Asset Quality The Citizens National Bank of Somerset
Somerset, KY 		Click to
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1-Year Asset Growth 7.81%
5-Year Asset Growth 5.62%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.34%
Non-Performing Loans to Loans 0.06%
Balance Sheet The Citizens National Bank of Somerset
Somerset, KY 		Click to
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Total Assets 700.47M
Total Deposits 545.76M
Capital and Reserves The Citizens National Bank of Somerset
Somerset, KY 		Click to
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Capital 41.01M
Leverage Ratio 8.67
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio 16.08
Liquidity The Citizens National Bank of Somerset
Somerset, KY 		Click to
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Hot Money Ratio 26.92%
Liquidity Ratio 22.29%
Profitability The Citizens National Bank of Somerset
Somerset, KY 		Click to
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5-Year Return on Average Assets 1.29%
Net Income 10.72M
Net Interest Spread 3.02%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 57.25%
Return on Assets 1.51%
Return on Equity 32.68%