The Citizens National Bank of Somerset

The Citizens National Bank of Somerset is a currently active mortgage lending specialization banking institution headquartered in Somerset, Kentucky. Established in 01/01/1919, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, The Citizens National Bank of Somerset manages $706.5M in total assets and holds $565.1M in customer deposits. When evaluating the stability of The Citizens National Bank of Somerset, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 5.71%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.65%, while its Return on Equity (ROE) sits at 28.56%. These robust metrics contribute to an overall health score of 8.3 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.