Citizens National Bank of Somerset, The
Somerset, KY · Cert 2725 · Peer group: banks under $1B in assets in KY (n=69) · Citizens Bancshares Inc.
National charter · OCC · 11 branches
Q2 2026
$700.9MAssets
$384.2MLoans
$569.0MDeposits
$41.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets in KY (rank 2 of 69).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in KY (rank 68 of 69).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.36%
Rank 23 of 69
Net Interest Margin
3.19%
Rank 61 of 69
Efficiency Ratio
55.65%
Rank 19 of 69
Equity / Assets
5.86%
Rank 68 of 69
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 74% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.83% | 1.18% | 1.44% | Beats 67% | 23 / 69 | |
| Return on Equity | 23.16% | 7.64% | 11.70% | 15.70% | Beats 97% | 2 / 69 | |
| Net Interest Margin | 3.19% | 3.45% | 3.75% | 3.96% | Beats 12% | 61 / 69 | |
| Efficiency Ratio | 55.65% | 55.32% | 62.99% | 70.80% | Beats 74% | 19 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.52% | 1.14% | Beats 74% | 19 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 61% | 28 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 14.73% | 11.33% | 13.58% | 16.27% | Beats 62% | 26 / 69 | |
| Total Risk-Based Capital Ratio | 15.98% | 11.55% | 14.43% | 17.27% | Beats 68% | 22 / 69 | |
| Equity / Assets | 5.86% | 8.31% | 9.91% | 12.53% | Beats 1% | 68 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 67.52% | 71.40% | 81.07% | 88.03% | 20th pctl | 55 / 69 | |
| Loans / Assets | 54.81% | 61.10% | 68.66% | 76.68% | 19th pctl | 56 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |