Citizens National Bank of Somerset
Loan decisions made locally
From small business to large companies, Citizens National Bank will structure a loan to fit your business's needs
Banking on the go is easy and secure.
Plenty of things in life are complicated, so we're here to help you simplify at least one thing - your finances.
Buying a home or refinancing? We can help!
No matter what your residential loan needs may be, Citizens National Bank has a mortgage loan program that will fit your needs.
Welcome to Citizens National Bank
Citizens National Bank of Somerset is a locally owned, community-oriented bank headquartered in Somerset, Kentucky since 1920.
Quick Mortgage Application
Easily and securely apply online for a mortgage loan.
Drive away with a competitive rate.
We offer quick responses to all credit applications with a wide variety of terms and rates to meet the needs of our customers.
Start their savings early with an account just for kids!
A Moolah Moose Club Account rewards good grades to start their financial journey.
Checking accounts for businesses both large and small
Citizens National Bank can tailor a checking account to meet your exact needs.
Professional asset management services
We provide free private consultations to address specific financial goals.
Investments are not insured by the FDIC, not a deposit, and may lose value.
Welcome to Citizens National Bank
Since 1920, Citizens National Bank has been more than just a place to keep your money—we’re your neighbors. Headquartered in Somerset, we’ve grown to 11 locations across Pulaski County, Monticello, Russell Springs, Nicholasville, and Richmond. While our reach has expanded, our mission remains the same: delivering the high-quality, personalized service that only a locally owned bank can provide.
Why Choose Us?The history of Citizens National Bank spans over 100 years of growth, change and progress both in banking and the world at large. Community banks have been integral in helping people move forward in a changing world. The future holds many more great changes and challenges and Citizens National Bank stands ready to help meet them.
Our MissionTo challenge directors, officers and employees to exercise PROFESSIONALISM for the benefit of present and future CUSTOMERS with the best SERVICES available while maintaining an adequate RETURN without sacrificing the INTEGRITY of Citizens National Bank.
Our VisionThe vision of Citizens National Bank is to be the leader among independent community banks in our area, focusing on customer relationships and providing superior customer service with a staff educated and guided to achieve their personal best.