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CNB of Somerset

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CNB of Somerset Rates & Review April 2026

Q: How many branches does CNB of Somerset operate?

CNB of Somerset currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, CNB of Somerset does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CNB of Somerset provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare CNB of Somerset rates to other rates in our database, including 12-month CD rates currently at 3.75%, 6-month CD rates at 0.03% and 3-month CD rates at 0.24%. Savings rates are at 0.25% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to CNB of Somerset rates. MonitorBankRates evaluates the financial stability of CNB of Somerset with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.54%. Rates were last updated on 04/17/2026.

CNB of Somerset money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CNB of Somerset? Share your experience about CNB of Somerset by leaving a review below, or read customer reviews before you decide to use CNB of Somerset.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.54%

Excellent Higher than avg

CNB of Somerset

44 Public Sq
Somerset, KY 42501

https://www.cnbsomerset.com

Current Rate Availability

We do not have CNB of Somerset rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CNB of Somerset is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CNB of Somerset rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CNB of Somerset's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CNB of Somerset

Bank Holding Company CITIZENS BANCSHARES INC

Address 44 Public Sq, Somerset, KY 42501 · Pulaski

Website https://www.cnbsomerset.com

FDIC Certificate # 2725

Established 01/01/1919

FDIC Insurance Date 01/01/1934

Domestic Offices 11

Total Branches 11

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.54%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3852%

Return on Equity (ROE) 53.5100%

Non-Performing Loans (NPL) 0.15%

Total Assets $700,468,000

Total Deposits $545,763,000

Equity Capital $41,005,000

Net Income $10,717,000

Headquarters Somerset

Total Offices 11

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About CNB of Somerset

Is CNB of Somerset a safe place to deposit money?

Yes, CNB of Somerset is considered a safe financial institution. With a Texas Ratio of 9.5443766937669%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does CNB of Somerset operate?

CNB of Somerset currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CNB of Somerset does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CNB of Somerset provides members with tools to manage their accounts and build a solid financial history.

Does CNB of Somerset offer online and mobile banking?

Most modern institutions like CNB of Somerset provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbsomerset.com.