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The Citizens National Bank of Somerset
✓ FDIC-insured · Active FDIC Certificate #2725
The Citizens National Bank of Somerset is an FDIC-insured national bank chartered by the Office of the Comptroller of the Currency (OCC), headquartered in Somerset, Kentucky, established in 1919. As of the 06/30/2026 FDIC call report, it reported $701M in total assets and $569M in deposits. FDIC location data lists 12 offices in Kentucky. The FDIC classifies it as a community bank. It is owned by the holding company CITIZENS BANCSHARES INC (Somerset, KY).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 12 of The Citizens National Bank of Somerset's FDIC-listed offices are in Kentucky. Browse banks in Somerset for other local options.
Branch locations
| The Citizens National Bank of Somerset The Citizens National Bank Of Somerset · Full Service - Brick And Mortar | 44 Public Sq Somerset, KY 42501 Map ↗ |
| The Citizens National Bank of Somerset Plaza Branch · Full Service - Brick And Mortar | 293 N Highway 27 Somerset, KY 42503 Map ↗ |
| The Citizens National Bank of Somerset Burnside Branch · Full Service - Brick And Mortar | 6385 S Highway 27 Somerset, KY 42501 Map ↗ |
| The Citizens National Bank of Somerset Citizens 27 Branch · Full Service - Brick And Mortar | 800 S Highway 27 Somerset, KY 42501 Map ↗ |
| The Citizens National Bank of Somerset Coffman Building Branch · Limited Service - Consumer Credit | 107 E Mount Vernon St Somerset, KY 42501 Map ↗ |
| The Citizens National Bank of Somerset Waitsboro Branch · Full Service - Brick And Mortar | 4145 S Highway 27 Somerset, KY 42501 Map ↗ |
| The Citizens National Bank of Somerset Nancy Branch · Full Service - Brick And Mortar | 9140 W Highway 80 Nancy, KY 42544 Map ↗ |
| The Citizens National Bank of Somerset Science Hill Branch · Full Service - Brick And Mortar | 105 W Highway 635 Science Hill, KY 42553 Map ↗ |
| The Citizens National Bank of Somerset Monticello Branch · Full Service - Brick And Mortar | 290 Cumberland Xing Monticello, KY 42633 Map ↗ |
| The Citizens National Bank of Somerset Nicholasville Branch · Full Service - Brick And Mortar | 601 Keene Centre Dr Nicholasville, KY 40356 Map ↗ |
| The Citizens National Bank of Somerset Russell County Branch · Full Service - Brick And Mortar | 94 Lakeway Dr Russell Springs, KY 42642 Map ↗ |
| The Citizens National Bank of Somerset Richmond Branch · Full Service - Brick And Mortar | 2008 Merchant Dr Richmond, KY 40475 Map ↗ |
Holding company: CITIZENS BANCSHARES INC
The FDIC lists CITIZENS BANCSHARES INC, based in Somerset, KY, as the top holding company for The Citizens National Bank of Somerset. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Kentucky
Active FDIC-insured banks headquartered in Kentucky with total assets closest to The Citizens National Bank of Somerset's $701M. See all banks in Kentucky.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Cumberland Valley National Bank & Trust Company | London | $816M | 14 |
| Franklin Bank & Trust Company | Franklin | $804M | 5 |
| Farmers Bank and Trust Company | Marion | $794M | 10 |
| FNB Bank, Inc. | Mayfield | $770M | 11 |
| First & Farmers National Bank, Inc. | Somerset | $714M | 11 |
| Citizens Bank of Kentucky, Inc. | Paintsville | $670M | 12 |
| Peoples Exchange Bank | Winchester | $610M | 9 |
| Hearthside Bank Corporation | Middlesboro | $609M | 8 |
The Citizens National Bank of Somerset: common questions
Is The Citizens National Bank of Somerset FDIC-insured?
Yes. The Citizens National Bank of Somerset is an active FDIC-insured institution, FDIC Certificate #2725. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is The Citizens National Bank of Somerset headquartered?
The Citizens National Bank of Somerset is headquartered at 44 Public Sq, Somerset, KY 42501, according to FDIC records.
How many branches does The Citizens National Bank of Somerset have?
FDIC location data lists 12 offices for The Citizens National Bank of Somerset, all in Kentucky.
Who owns The Citizens National Bank of Somerset?
The FDIC lists CITIZENS BANCSHARES INC of Somerset, KY as the top holding company for The Citizens National Bank of Somerset.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.