BlastPoint's Banking Scorecard

The Citizens National Bank of Somerset

$100M-$1B Specialty: Mortgage KY FDIC cert 2725

Somerset, KY

12 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

The Citizens National Bank of Somerset has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 15.68% above tier average
+ ROA 0.38% above tier average
+ Efficiency Ratio 8.81% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.62% below tier average

Get updates when The Citizens National Bank of Somerset releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$706.5M +7.0% YoY +0.9% QoQ	+$320.4M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 12.3% in tier
Total Loans ?	$363.1M +7.2% YoY +0.9% QoQ	+$107.4M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$565.1M +3.7% YoY +3.5% QoQ	+$237.1M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	1.65% +25.8% YoY +5.0% QoQ	+0.38%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.31% +12.7% YoY +5.4% QoQ	-0.62%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	56.47% -8.9% YoY -1.4% QoQ	-8.81%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.13% -51.2% YoY +95.2% QoQ	-0.76%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	64.26% +3.3% YoY -2.5% QoQ	-12.38%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	37.70% -0.5% YoY -0.8% QoQ	+15.68%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 6.8% in tier
Nonperforming Asset Ratio ?	0.07% -57.8% YoY +95.4% QoQ	-0.57%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	14.84% -6.0% YoY +0.1% QoQ	-0.99%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.17% -8.0% YoY -76.7% QoQ	-0.11%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

182

Non-Interest-Bearing Deposit Share

funding

Value: 37.70%

Peer Median: 22.02%

#182 of 2664 Top 6.8% in $100M-$1B

329

Total Assets

size

Value: $706.47M

Peer Median: $386.08M

#329 of 2664 Top 12.3% in $100M-$1B

402

Total Deposits

size

Value: $565.11M

Peer Median: $327.97M

#402 of 2664 Top 15.1% in $100M-$1B

578

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#578 of 2664 Top 21.7% in $100M-$1B

639

Total Loans

size

Value: $363.13M

Peer Median: $255.72M

#639 of 2664 Top 23.9% in $100M-$1B

641

Loan-to-Deposit Ratio

liquidity

Value: 64.26%

Peer Median: 76.64%

#641 of 2664 Top 24.0% in $100M-$1B

662

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.27%

#662 of 2664 Top 24.8% in $100M-$1B

664

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.64%

#664 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2077

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.93%

#2077 of 2664 Bottom 22.1% in $100M-$1B