Is Citizens Nb of Somerset Safe?
Citizens Nb of Somerset has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.20% | 100/100 |
| Nonperforming Loan Ratio | 0.28% | 94/100 |
| Liquidity Ratio | 44.13% | 100/100 |
| Return on Assets | 0.92% | 57/100 |
| Total Assets | $0.6B | |
How does Citizens Nb of Somerset compare?
With a Bank Health Score of 94/100, Citizens Nb of Somerset sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Kentucky, where 103 FDIC-insured banks are headquartered, Citizens Nb of Somerset ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 15.20% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.28% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Nb of Somerset's Bank Health Score fell by 1.0 points to 94/100. Tier 1 capital strengthened by 0.54 percentage points to 15.20%. Quarter-over-quarter, the score rose by 1.0 points.
Citizens Nb of Somerset has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).