BlastPoint's Banking Scorecard
The Citizens National Bank of Somerset
Community
Specialty: Other
KY
FDIC cert 2725
Somerset, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
The Citizens National Bank of Somerset shows strong momentum with 2 strengths and 7.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 34% in Community
- + Non-Interest-Bearing Deposit Share 16.97% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$700.5M
+7.8% YoY
-0.3% QoQ
|
-$691.0M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$359.7M
+5.1% YoY
+3.7% QoQ
|
-$615.7M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$545.8M
+2.4% YoY
-1.9% QoQ
|
-$618.8M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.57%
+44.5% YoY
+7.7% QoQ
|
+0.41% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.14%
+13.4% YoY
+2.4% QoQ
|
-0.52% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
57.25%
-13.9% YoY
-3.3% QoQ
|
-5.38% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.07%
-80.2% YoY
-55.8% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
65.92%
+2.7% YoY
+5.7% QoQ
|
-17.15% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.02%
+7.8% YoY
-0.9% QoQ
|
+16.97% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-80.7% YoY
-54.0% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
14.82%
-4.6% YoY
-0.5% QoQ
|
+4.58% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.71%
-3.9% YoY
+37.9% QoQ
|
-0.03% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#128 of 371 · Top 34% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.57%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
38.02%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.02% · Tier avg: 21.05%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
85
85th pctile
Loan-to-Deposit Ratio
Current: 65.92% · Tier avg: 83.06%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.82% · Tier avg: 10.24%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
66
66th pctile
Efficiency Ratio
Current: 57.25% · Tier avg: 62.63%
27
27th pctile
Total Assets
Current: $700.5M · Tier avg: $1.4B
22
22th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.66%
21
21th pctile
Total Deposits
Current: $545.8M · Tier avg: $1.2B
10
10th pctile
Total Loans
Current: $359.7M · Tier avg: $975.5M
Top Weaknesses
10
10th pctile
Total Loans
Current: $359.7M · Tier avg: $975.5M
21
21th pctile
Total Deposits
Current: $545.8M · Tier avg: $1.2B
22
22th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.66%
27
27th pctile
Total Assets
Current: $700.5M · Tier avg: $1.4B
66
66th pctile
Efficiency Ratio
Current: 57.25% · Tier avg: 62.63%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.82% · Tier avg: 10.24%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
85
85th pctile
Loan-to-Deposit Ratio
Current: 65.92% · Tier avg: 83.06%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.02% · Tier avg: 21.05%