Citizens National Bank of Somerset

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Loan decisions made locally

From small business to large companies, Citizens National Bank will structure a loan to fit your business's needs

Explore Business Loans

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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.

Explore Mobile Banking

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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.

Explore Home Loans

Welcome to Citizens National Bank

Citizens National Bank of Somerset is a locally owned, community-oriented bank headquartered in Somerset, Kentucky since 1920.

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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.

Explore Auto Loans

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Start their savings early with an account just for kids! 

A Moolah Moose Club Account rewards good grades to start their financial journey.

Moolah Moose Account

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Checking accounts for business large and small

Citizens National Bank can tailor a checking account to meet your exact needs.

Business Checking

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Professional asset management services

We provide free private consultations to address specific financial goals.

Wealth Management

Welcome to Citizens National Bank

Citizens National Bank is a locally owned, community-oriented bank headquartered in Somerset, Kentucky. The bank opened for business in 1920 and has ten locations: seven in Pulaski County, as well as one in Wayne County, Russell County and Jessamine County. The employees of Citizens National Bank are dedicated to providing the highest quality, personalized service to our customers.

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.

To 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.

The 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.